| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | SUN LIFE AND HEALTH INSURANCE COMPANY | $19K | — | $19K | 21.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GOULD, KOBRICK & SCHLAPP, PC EIN 13-3082707 UNION ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | 192 LEXINGTON AVENUE SUITE 700 NEW YORK, NY 10016 | $26K |
| JBM COMPUTER CONSULTANTS INC NONE | Other services; Direct payment from the plan Service code 49 | 20 N AMERICA DR WEST SENECA, NY 14224 | $23K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $22K |
| DELTA DENTAL EIN 11-1980218 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $15K |
| INVETMENT PERFORMANCE SERVICES, LLC EIN 58-2432390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 545 | $90K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 545 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.