| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 N. HAYDEN ROAD, STE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | $0 | $59K | $59K | 7.00% |
| STEALTH PARTNER GROUP LLC7 Filed as: STEALTH PARTNER GROUP | 18700 N. HAYDEN ROAD, STE 405 SCOTTSDALE, AZ 85255 | TOKIO MARINE HHC | $3K | $2K | $5K | 15.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 27.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 BEE CAVE ROAD STE 125 AUSTIN, TX 78746 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.35% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 848315 DALLAS, TX 752848315 | FIRST STOP HEALTH, LLC | $1K | $0 | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $685 | $2K | 20.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ELIXIR SOLUTIONS EIN 90-1011712 BENEFIT MGMT PLAN | Plan Administrator Service code 14 | 7835 FREEDOM AVE NW NORTH CANTON, OH 44720 | $429K |
| ALLEGIANCE BENEFIT PLAN MGMT INC. EIN 81-0400550 BENEFIT MGMT PLAN | Plan Administrator Service code 14 | 2806 S. GARFIELD ST. MISSOULA, MT 59801 | $44K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 BENEFIT MGMT PLAN | Plan Administrator Service code 14 | 2806 S. GARFIELD ST. P.O. BOX 3018 MISSOULA, MT 59806 | $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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIRST STOP HEALTH, LLC | 132 | $14K |
| Vision | VISION SERVICE PLAN | 97 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $30K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 135 | $836K |
| Other(4 contracts, 3 carriers) | TOKIO MARINE HHC | 166 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.