| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD, STE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $141K | $141K | 6.01% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 0.45% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $374K | — | $374K | 18.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 4851 LYNDON B JOHNSON FWY STE 800 DALLAS, TX 75244 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $26K | $26K | 1.28% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 8.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.7M |
| ACCOLADE EIN 01-0969591 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $805K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Participant communication; Non-monetary compensation; Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $212K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $72K |
| CBIZ BENEFITS & INSURANCE SERVICES NONE | Other commissions; Insurance brokerage commissions and fees Service code 53 | PO BOX 632886 CINCINNATI, OH 45263 | $64K |
| CBIZ PAYROLL EIN 34-1846498 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $13K |
| EYEMED VISION CARE EIN 86-0773195 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $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 | 3,647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 476 | $83K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,226 | $2.0M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,226 | $2.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,226 | $2.0M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,276 | $2.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,226 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,276 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.