| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNERS GROUP LLC | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $103K | — | $103K | 5.00% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERVICE | PO BOX 842167 DALLAS, TX 75284 | SYMETRA LIFE INSURANCE COMPANY | $58K | $28K | $86K | 17.41% |
| BHERD, LLC3 Filed as: BHERD | 1956 PARK AVE DES MOINES, IA 50315 | SYMETRA LIFE INSURANCE COMPANY | — | $20K | $20K | 4.11% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 5.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | NGL | $4K | — | $4K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SISCO EIN 42-1144827 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $106K |
| BUTLER HEALTH CORP EIN 42-1403200 HEALTH AND WELLNESS | Consulting (general) Service code 16 | — | $49K |
| MEDONE LLC EIN 26-1769761 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $42K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $16K |
| THE ALLIANCE EIN 39-1675538 PPO | Contract Administrator Service code 13 | — | $9K |
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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 269 | $2.1M |
| Vision | NGL | 230 | $52K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 319 | $495K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 319 | $495K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 319 | $495K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 269 | $2.1M |
| Other | HCC LIFE INSURANCE COMPANY | 267 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.