| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $51K | — | $51K | 5.95% |
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | 601 ABBOTT ST DETROIT, MI 482262513 | HUMANA INSURANCE COMPANY | $18K | — | $18K | 2.27% |
| BENESYS INC3 | 700 TOWER DR SUITE 300 TROY, MI 480982835 | HUMANA INSURANCE COMPANY | $18K | — | $18K | 2.27% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $13K | — | $13K | 7.85% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | PO BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE HEALTH LLC | Other services Service code 49 | 1400 WEWATTA STREET SUITE 350 DENVER, CO 80202 | $1.0M |
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 | Other services; Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $408K |
| BENESYS, INC EIN 38-2383171 | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Copying and duplicating Service code 12 | — | $276K |
| PLUMBERS & STEAMFITTERS LOCAL 166 EIN 35-1776725 | Participant communication Service code 38 | — | $74K |
| ASHERKELLY EIN 84-3379113 | Legal Service code 29 | — | $59K |
| EPIC INSURANCE MIDWEST | Consulting (pension) Service code 17 | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | $45K |
| ATI PHYSICAL THERAPY | Other services Service code 49 | 790 REMINGTON BLVD ROLLINGBROOK, IL 60440 | $26K |
| WHITINGER & COMPANY LLC EIN 35-0905017 | Accounting (including auditing) Service code 10 | — | $20K |
| CUNI, RUST & STRENK EIN 31-1227755 | Actuarial Service code 11 | — | $14K |
| MCQUEEN INSURANCE GROUP EIN 20-1495393 | Insurance services Service code 23 | — | $11K |
| STEFANSKY, HOLLOWAY & NICHOLS INC EIN 38-2388845 | Accounting (including auditing) Service code 10 | — | $10K |
| FIFTH THIRD BANK | Other fees; Custodial (securities) Service code 19 | 5050 KINGLEY DRIVE CINCINNATI, OH 45263 | $9K |
| ANDCO CONSULTING EIN 59-3676225 | Investment advisory (plan) Service code 27 | — | $8K |
| AMERICAN GRAPHICS EIN 38-2090931 | Copying and duplicating Service code 36 | — | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 269 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 749 | $159K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 826 | $73K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 749 | $860K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.