| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 852556343 | RELIASTAR LIFE INSURANCE COMPANY | — | $31K | $31K | 5.00% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100-MAIL STOP 7320 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 3.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 852556762 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 2.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $1.2M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | 115 W WAUSAU AVE. WAUSAU, WI 544012875 | $176K |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 84 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 318 | $610K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 523 | $61K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $190K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $190K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 318 | $610K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.