| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD SCOTTSDALE, AZ 85255 | THE UNION LIFE INSURANCE COMPANY | $7K | — | $7K | 3.74% |
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP | TWO GREANWAY PLAZA HOUSTON, TX 77046 | THE UNION LIFE INSURANCE COMPANY | $1K | — | $1K | 0.76% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST BROKERAGE SERVICES INC | 100 W HOUSTON ST 1600 SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.43% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST BROKERAGE SERVICES INC | 100 W HOUSTON ST 1600 SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 17.60% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST BROKERAGE SERVICES INC | 100 W HOUSTON ST 1600 SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 17.59% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST BROKERAGE SERVICES INC | 100 W HOUSTON ST 1600 SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 17.15% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST BROKERAGE SERVICES INC | 100 W HOUSTON ST 1600 SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.73% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PARKWAY SAN ANTONIO, TX 78231 | AETNA INTERNATIONAL | $251 | — | $251 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON-CHAPMAN LTD EIN 75-1501015 CONTRACT ADMINISTATOR | Contract Administrator Service code 13 | 24 WATERWAY AVENUE #650 WOODLANDS, TX 77380 | $58K |
| AETNA PPO EIN 06-6033492 UR PPO FEES | Insurance services Service code 23 | P O BOX 14463 LEXINGTON, KY 40512 | $23K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 UR | Insurance services Service code 23 | 7400 W CAMPUS RD F-510 NEW ALBANY, OH 43054 | $8K |
| FROST INSURANCE EIN 75-2760731 INSURANCE SERVICES | Insurance services Service code 23 | 100 W HOUSTON ST SAN ANTONIO, TX 78231 | $6K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 | Other services Service code 49 | P O BOX 14463 LEXINGTON, KY 40512 | $0 |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 154 | $91K |
| Vision | STANDARD INSURANCE COMPANY | 150 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 205 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 205 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 112 | $54K |
| Stop-loss / reinsurancereinsurance | THE UNION LIFE INSURANCE COMPANY | 148 | $196K |
| Other | AETNA INTERNATIONAL | 16 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.