| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 E CAMELBACK RD STE 420 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 7.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 921018101 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 2.35% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS LLC DBA | STEALTH PARTNER GROUP 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $65K | $8K | $73K | 21.47% |
| WELLNESS OF AMERICA LLC3 | PO BOX 427 ASPEN, CO 81612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $618 | — | $618 | 1.72% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST, STE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $513 | — | $513 | 1.43% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $289 | — | $289 | 0.81% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC DBA | BEAR PAW BENEFITS 10320 ORLAND PKWY ORLAND PARK, IL 60467 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.44% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 - 12TH STREET HAMMONTON, NJ 80370 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| WELLNESS OF AMERICA LLC3 | PO BOX 427 ASPEN, CO 81612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $787 | — | $787 | 10.04% |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 973 | $377K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 973 | $341K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 973 | $341K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $409K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 973 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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."
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.