| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $41K | $41K | 1.76% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, UT 84111 | FRESH BENIES | $5K | — | $5K | 16.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH BEHAVIORAL HEALTH EIN 41-1648670 ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Participant communication; Claims processing Service code 12 | — | $18K |
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 | 1,262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH ADN LIFE INSURANCE COMPANY | 376 | $2.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH ADN LIFE INSURANCE COMPANY | 698 | $3.1M |
| Vision | CIGNA | 698 | $766K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,262 | $685K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,193 | $221K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $429K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 66 | $505K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 557 | $2.3M |
| Other(7 contracts, 5 carriers) | CIGNA HEALTH ADN LIFE INSURANCE COMPANY | 1,262 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,262 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.