| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $0 | $23K | $23K | 5.45% |
| MAIN STREET FINANCIAL GROUP3 Filed as: MAIN STREET INSURANCE GROUP | 22 N TRADE STREET TRYON, NC 28782 | PRINCIPAL LIFE INSURANCE COMPANY | $621 | $0 | $621 | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 N/A | Claims processing Service code 12 | — | $103K |
| MAIN STREET INSURANCE GROUP EIN 56-2185489 BROKER | Insurance agents and brokers Service code 22 | — | $80K |
| CIGNA CORPORATION EIN 59-1031071 N/A | Claims processing Service code 12 | — | $42K |
| ADVOSEE EIN 85-4312283 BROKER | Insurance agents and brokers Service code 22 | — | $29K |
| HEALTHGRAM- TELEDOCINC EIN 47-4591265 TELEMEDICINE | Claims processing Service code 12 | — | $4K |
| CAREOPERATIVE, LLC EIN 20-8981027 N/A | Claims processing Service code 12 | — | $4K |
| FLORES AND ASSOCIATES EIN 56-1542307 FSA ADMIN | Claims processing Service code 12 | — | $894 |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $139K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $139K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $139K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 205 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.