| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | — | $32K | $32K | 7.00% |
| UMR, INC.3 Filed as: UMR | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | — | $5K | $5K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARTHUR J GALLAGHER RMS EIN 36-2151613 RISK MANAGEMENT | Other fees Service code 99 | — | $373K |
| VIMLY BENEFIT SOLUTIONS EIN 91-1603312 BENEFIT ADMINISTRATOR | Claims processing Service code 12 | — | $25K |
| UMR, INC. INSURANCE ADMINISTRATION | Insurance services Service code 23 | 400 E BUSINESS WAY, SUITE 100 CINCINNATI, OH 45241 | $22K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 AUDITOR | Accounting (including auditing) Service code 10 | — | $20K |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $17K |
| HEALTH EQUITY EIN 52-2383166 HEALTH SAVINGS ACCOUNT A | Other fees Service code 99 | — | $9K |
| WILLIS TOWERS WATSON EIN 53-0181291 CONSULTING | Consulting (general) Service code 16 | — | $7K |
| PHIA GROUP CONSULTING, LLC EIN 04-3504115 CONSULTING | Consulting (general) Service code 16 | — | $7K |
| ONSAGER, WERNER & OBERG, PLC EIN 86-0960805 CONSULTING | Consulting (general) Service code 16 | — | $6K |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 190 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $160K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $160K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 454 | $463K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.