| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUNLIFE ASSURANCE COMPANY OF OANADA | $81K | $14K | $95K | 5.77% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | SUNLIFE ASSURANCE COMPANY OF OANADA | $24K | — | $24K | 1.48% |
| UMR, INC.3 | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUNLIFE ASSURANCE COMPANY OF OANADA | $0 | $11K | $11K | 0.66% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 5.01% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $86K | $20K | $106K | 24.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $42K | $0 | $42K | 9.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS ADMINISTRATION | Claims processing Service code 12 | 115 WAUSAU AVE WAUSAU, WI 54401 | $1.7M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATION | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | 525 WEST MONROE STREET SUITE 300 CHICAGO, IL 60661 | $207K |
| THE BENEFITS SERVICES GROUP EIN 39-1593551 NONE | Consulting (general) Service code 16 | 15800 BLUEMOUND ROAD SUITE 100 BROOKFIELD, WI 53005 | $16K |
| DIGITAL INSURANCE LLC EIN 58-2522668 NONE | Consulting (general) Service code 16 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $0 |
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 | 5,129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,186 | $508K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,129 | $429K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF OANADA | 3,883 | $1.6M |
| Other | ACE AMERICAN INSURANCE COMPANY | 4,030 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,129 | — |
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.