| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $18K | $18K | 5.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 36-2739571 NONE | Claims processing Service code 12 | — | $326K |
| NATIONAL EMPLOYEE BENEFIT ADMINISTR EIN 65-0498809 NONE | Contract Administrator Service code 13 | — | $125K |
| LASSITERWARE BENEFIT CONSULTANTS EIN 59-1258855 NONE | Consulting (general) Service code 16 | — | $91K |
| PROCARE PHARMACY BENEFIT MANAGER EIN 58-2422694 NONE | Claims processing Service code 12 | — | $50K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $27K |
| PLUMBERS AND PIPEFITTERS LOCAL 123 RELATED LOCAL UNION | Other services Service code 49 | 3601 MCINTOSH RD DOVER, FL 33527 | $26K |
| VENABLE LAW FIRM EIN 59-1824867 NONE | Legal Service code 29 | — | $26K |
| MEDEXPERT INTERNATIONAL INC NONE | Claims processing Service code 12 | PO BOX 7550 MENLO PARK, CA 94026 | $20K |
| MORGAN STANLEY SMITH BARNEY EIN 11-3658445 NONE | Other services; Securities brokerage commissions and fees; Direct payment from the plan; Securities brokerage; Other investment fees and expenses; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment advisory (plan); Recordkeeping fees; Other fees; Other commissions Service code 15 | — | $15K |
| LAUREL MOUNTAIN CONSULTING NONE | Consulting (general) Service code 16 | 2562 BRETON CT BUFORD, GA 30518 | $12K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Actuarial Service code 11 | — | $10K |
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 | 519 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 522 | $46K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 525 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.