| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $33K | — | $33K | 5.95% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | DELTA DENTAL OF WISCONSIN | $9K | — | $9K | 4.57% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 CVERLAND PARK, KS 66211 | PRUDENTIAL | — | — | $0 | 0.00% |
| VIRTUS LLC3 | PO BOX 875505 KANSAS CITY, MO 64187 | VISION SERVICE PLAN | $1K | — | $1K | 3.18% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | PRUDENTIAL | $109K | — | $109K | 290.75% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $180 | $180 | 0.48% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | DELTA DENTAL OF WISCONSIN | $1K | — | $1K | 4.56% |
No Schedule C service providers reported on this filing.
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 | 896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 480 | $560K |
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 386 | $232K |
| Vision | VISION SERVICE PLAN | 419 | $45K |
| Life insurance(2 contracts) | PRUDENTIAL | 891 | $169K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTAL | 891 | $158K |
| Long-term disability | PRUDENTIAL | 891 | $175K |
| Other(8 contracts) | PRUDENTIAL | 891 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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."
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.