| 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 | $18K | — | $18K | 5.14% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC SAN ANTONIO | 111 WEST HOUSTON STREET SAN ANTONIO, TX 782052112 | HUMANA | $10K | — | $10K | 9.80% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC AUSTIN | 401 CONGRESS AVE STE 1400 AUSTIN, TX 787013793 | HUMANA | $2K | — | $2K | 1.66% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC SAN ANTONIO | 111 WEST HOUSTON STREET SAN ANTONIO, TX 782052112 | HUMANA | $9K | — | $9K | 16.55% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC SAN ANTONIO | 111 WEST HOUSTON STREET SAN ANTONIO, TX 782052112 | HUMANA | $4K | — | $4K | 8.24% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY AUSTIN | 401 CONGRESS AVE STE 1400 AUSTIN, TX 787013793 | HUMANA | $194 | — | $194 | 0.47% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC SAN ANTONIO | 111 WEST HOUSTON STREET SAN ANTONIO, TX 782052112 | HUMANA | $80 | — | $80 | 0.19% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC SAN ANTONIO | 111 WEST HOUSTON STREET SAN ANTONIO, TX 782052112 | HUMANA | $4K | — | $4K | 15.07% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY AUSTIN | 401 CONGRESS AVE STE 1400 AUSTIN, TX 787013793 | HUMANA | $313 | — | $313 | 1.30% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC SAN ANTONIO | 111 WEST HOUSTON STREET SAN ANTONIO, TX 782052112 | HUMANA | $2K | — | $2K | 9.83% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY AUSTIN | 401 CONGRESS AVE AUSTIN, TX 787013793 | HUMANA | $89 | — | $89 | 0.55% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC SAN ANTONIO | 111 WEST HOUSTON STREET SAN ANTONIO, TX 782052112 | HUMANA | $1K | — | $1K | 14.34% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC AUSTIN | 401 CONGRESS AVE STE 1400 AUSTIN, TX 787013793 | HUMANA | $313 | — | $313 | 4.33% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC SAN ANTONIO | 111 WEST HOUSTON STREET SAN ANTONIO, TX 782052112 | HUMANA | $8K | — | $8K | 178.01% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY AUSTIN | 401 CONGRESS AVE STE 1400 AUSTIN, TX 787013793 | HUMANA | $194 | — | $194 | 4.52% |
| FROST INSURANCE AGENCY INC Filed as: FROST INS AGY INC SAN ANTONIO | 111 WEST HOUSTON STREET SAN ANTONIO, TX 782052112 | HUMANA | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 | Claims processing Service code 12 | 115 W WAUSAU AVE WAUSAU, WI 54401 | $12K |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 179 | $98K |
| Vision | HUMANA | 158 | $16K |
| Life insurance(2 contracts) | HUMANA | 224 | $65K |
| Short-term disability(2 contracts) | HUMANA | 224 | $46K |
| Long-term disability | HUMANA | 124 | $56K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 173 | $347K |
| Other(2 contracts) | HUMANA | 224 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.