| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP | 18700 N HAYDEN RD SCOTTSDALE, AZ 85255 | THE UNION LABOR LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Copying and duplicating; Claims processing; Plan Administrator Service code 12 | — | $204K |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Contract Administrator; Direct payment from the plan; Other insurance fees and expenses Service code 13 | — | $61K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Direct payment from the plan; Investment advisory (plan); Investment management fees paid directly by plan; Securities brokerage; Custodial (securities) Service code 19 | — | $56K |
| CONNER & WINTERS LLP EIN 73-1388566 NONE | Legal; Direct payment from the plan Service code 29 | — | $51K |
| RYAN BENEFITS, INC. EIN 46-1358532 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $44K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 NONE | Direct payment from the plan; Contract Administrator; Other insurance fees and expenses Service code 13 | — | $44K |
| NEEDLES & ASSOCIATES LLC EIN 51-0435869 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $42K |
| INETICO, LLC D/B/A VALENZ CARE EIN 36-4869660 NONE | Other services; Direct payment from the plan Service code 49 | — | $16K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $14K |
| SAV-RX PRESCRIPTION SERVICES EIN 86-1323040 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $11K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $9K |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 2 | $7K |
| Vision | VISION SERVICE PLAN | 546 | $66K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 465 | $38K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 557 | $539K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 465 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.