| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD. STE 210 SCOTTSDALE, AZ 85255 | BERKLEY LIFE AND HEALTH INSURANCE CO. | — | $20K | $20K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $826 | $4K | 6.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $590 | $3K | 6.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASHTON TIFFANY EIN 86-0804559 INSURANCE ADMINISTRATOR | Contract Administrator Service code 13 | — | $300K |
| STHEALTH BENEFIT SOLUTIONS, LLC EIN 27-0290866 INSURANCE SERVICES | Insurance services Service code 23 | — | $279K |
| AMERIBEN IEC GROUP EIN 82-0497661 CLAIMS PROCESSING | Claims processing Service code 12 | — | $136K |
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 INSURANCE ADMINISTRATION | Insurance services Service code 23 | — | $89K |
| WILLIS OF ARIZONA EIN 86-0223854 CONSULTING | Consulting (general) Service code 16 | — | $60K |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 INSURANCE ADMINISTRATOR | Insurance services Service code 23 | — | $19K |
| ALLIANT INSURANCE SERVICES EIN 33-0785439 INSURANCE SERVICES | Insurance services Service code 23 | — | $18K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 AUDITOR | Accounting (including auditing) Service code 10 | — | $14K |
| REPRODUCTION SPECIALIST, INC. EIN 93-0825523 PRINTING | Copying and duplicating Service code 36 | — | $11K |
| HEALTH EQUITY EIN 52-2383166 HEALTH SAVINGS ACCOUNT A | Other fees Service code 99 | — | $11K |
| ZELIS NETWORK SOLUTIONS EIN 58-2167964 INSURANCE SERVICES | Insurance services Service code 23 | — | $9K |
| MORNEAU SHEPELL LIMITED EIN 81-1114266 EMPLOYEE ASSISTACE PROG | Other fees Service code 99 | — | $5K |
| WILLIS TOWERS WATSON EIN 53-0181291 CONSULTING | Consulting (general) Service code 16 | — | $5K |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF ARIZONA | 486 | $89K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 217 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $66K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 366 | $279K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.