| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | — | $73K | $73K | 5.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | $36K | — | $36K | 2.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| SOUTHWEST SERVICE ADMINISTRATORS EIN 86-0785790 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $246K |
| RBC WEALTH MANAGEMENT NONE | Investment management; Direct payment from the plan Service code 28 | 100 CRESCENT COURT SUITE 1500 DALLAS, TX 75201 | $75K |
| RYAN BENEFITS, INC. NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1100 MIRA VISTA BLVD SUITE 360 PLANO, TX 75093 | $69K |
| CONNER & WINTERS LLP EIN 73-1388566 NONE | Legal; Direct payment from the plan Service code 29 | — | $69K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| CLIFTONLARSONALLEN, LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| UNITED ACTUARY SERVICES 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 | 1,571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,837 | $1.5M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,837 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,837 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.