| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD #405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $18K | $18K | 5.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF IL EIN 36-1236610 NONE | Other insurance fees and expenses; Direct payment from the plan; Contract Administrator Service code 13 | — | $246K |
| SOUTHWEST SERVICE ADMINISTRATORS EIN 86-0785790 NONE | Plan Administrator; Copying and duplicating; Claims processing; Direct payment from the plan Service code 12 | — | $146K |
| RYAN BENEFITS, INC. EIN 46-1358532 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $60K |
| AMERICAN HEALTH HOLDING, INC NONE | Direct payment from the plan; Other services Service code 49 | 7400 WEST CAMPUS ROAD 300 NEW ALBANY, OH 43054 | $56K |
| ROBEIN, URANN, SPENCER, PICARD & CA EIN 72-0999672 NONE | Legal; Direct payment from the plan Service code 29 | — | $44K |
| PLUMBERS AND PIPEFITTERS LOCAL 430 EIN 73-1530462 RELATED PARTY | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $44K |
| SAV-RX PRESCRIPTION SERVICES EIN 86-1323040 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $37K |
| BRYAN, LITTLE, HALEY, & KENT PC EIN 73-0941849 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Securities brokerage; Investment advisory (plan); Investment management fees paid directly by plan; Direct payment from the plan Service code 27 | — | $8K |
| DENTAL NETWORK OF AMERICA NONE | Contract Administrator; Direct payment from the plan Service code 13 | 16535 DAWNCREST WAY SUGAR LAND, TX 77498 | $8K |
| REILLY ECHOLS PRINTING, INC. EIN 75-1412558 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $6K |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 4 | $10K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 578 | $20K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 578 | $300K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 578 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
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.