| 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 | — | $25K | $25K | 5.95% |
| LABOR FIRST LLC3 | 1000 MIDATLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | EMPHESYS INSURANCE COMPANY | $7K | — | $7K | 6.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARORX SAVINGS NONE | Other services Service code 49 | 620 SOUTH LAKE STREET MARQUETTE, MI 49855 | $194K |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Claims processing; Other fees Service code 12 | — | $168K |
| ACRISURE EIN 59-1258855 NONE | Insurance brokerage commissions and fees; Consulting (general) Service code 16 | — | $122K |
| NATIONAL EMPLOYEE BENEFITS ADMINIST EIN 65-0498809 NONE | Contract Administrator; Copying and duplicating Service code 13 | — | $122K |
| DREXI RX EIN 46-4488538 NONE | Claims processing Service code 12 | — | $38K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $28K |
| MEDEXPERT NONE | Claims processing Service code 12 | 1300 HANCOCK STREET REDWOOD CITY, CA 94063 | $15K |
| ROBEIN, URANN, SPENCER, PICARD & CA EIN 72-0999672 NONE | Legal Service code 29 | — | $15K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Consulting (general); Actuarial Service code 11 | — | $12K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Other commissions; Recordkeeping fees; Other fees; Other investment fees and expenses; Investment advisory (plan); Securities brokerage; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | — | $11K |
| PROCARE PHARMACY BENEFIT MANAGER EIN 58-2422694 NONE | Claims processing Service code 12 | — | $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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 338 | $58K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 332 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.