| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | — | $42K | 5.28% |
| UMR, INC.3 Filed as: UMR,INC. | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.49% |
| SIA GROUP INC3 | 827 GUM BRANCH RD JACKSONVILLE, NC 28540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.53% |
| SIA GROUP INC3 | 827 GUM BRANCH RD JACKSONVILLE, NC 28540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.52% |
| SIA GROUP INC3 | 827 GUM BRANCH RD JACKSONVILLE, NC 28540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| SIA GROUP INC3 | 827 GUM BRANCH RD JACKSONVILLE, NC 28540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $331 | — | $331 | 2.48% |
| SIA GROUP INC3 | 827 GUM BRANCH RD JACKSONVILLE, NC 28540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151 | — | $151 | 10.01% |
| SIA GROUP INC3 | 827 GUM BRANCH RD JACKSONVILLE, NC 28540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 19.23% |
No Schedule C service providers reported on this filing.
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $491K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $2K |
| Long-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $505K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $800K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.