| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $13K | $13K | 3.88% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $6K | $6K | 1.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARORX SAVINGS NONE | Other services Service code 49 | 620 SOUTH LAKE STREET MARQUETTE, MI 49855 | $281K |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Claims processing Service code 12 | — | $139K |
| LASSITER WARE EIN 59-1258855 NONE | Insurance brokerage commissions and fees Service code 53 | — | $109K |
| NATIONAL EMPLOYEE BENEFITS ADMINIST EIN 65-0498809 NONE | Contract Administrator Service code 13 | — | $104K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| PROCARE PHARMACY BENEFIT MANAGER EIN 58-2422694 NONE | Claims processing Service code 12 | — | $16K |
| MORGAN STANLEY EIN 20-8764829 NONE | Investment advisory (plan); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other commissions; Other services; Other investment fees and expenses; Securities brokerage; Recordkeeping fees; Other fees Service code 15 | — | $6K |
| SOUTHERN ACTUARIAL SERVICES CO. INC EIN 58-2409046 NONE | Actuarial Service code 11 | — | $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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 370 | $64K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 364 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.