| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N. PIMA RD SCOTTSDALE, AZ 85255 | THE UNION LABOR LIFE INSURANCE COMPANY | $17K | — | $17K | 3.67% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | TWO GREENWAY PLAZA HOUSTON, TX 77046 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 0.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC EIN 52-1590516 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $110K |
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $93K |
| HOLLOWAY, MONAGHAN, KING EIN 73-1462892 NONE | Legal; Direct payment from the plan Service code 29 | — | $35K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $33K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| SPECTRUM REVIEW SERVICES EIN 76-0318849 NONE | Direct payment from the plan; Other fees Service code 50 | — | $13K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 300 | $18K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 334 | $459K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 300 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.