| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNERS GROUP,LLC | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 852556762 | RELIASTAR LIFE INSURANCE COMPANY | $50K | $148K | $198K | 6.69% |
| FROST INSURANCE AGENCY INC3 | 100 W HOUSTON ST 11TH FL SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $102K | — | $102K | 4.55% |
| FROST INSURANCE AGENCY INC3 | 100 W HOUSTON ST 11TH FL SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $52K | — | $52K | 5.07% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 752225749 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 2.98% |
No Schedule C service providers reported on this filing.
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 | 6,007 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,081 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 1,237 | $146K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 8,926 | $529K |
| Life insurance | STANDARD INSURANCE COMPANY | 5,850 | $2.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,615 | $1.0M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 4,891 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,926 | — |
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.
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.