| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $68K | $77K | $146K | 10.65% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | $17K | $70K | 20.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | $17K | $68K | 19.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 2415 E CAMELBACK RD STE 240 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $14K | $55K | 20.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 E CAMELBACK RD STE 420 PHOENIX, AZ 850169205 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 15.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET/FLOOR 6 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 17.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | TOM KAMINSKY 701 B STREET SAN DIEGO, CA 92101 | DELTA DENTAL OF ARIZONA | $13K | — | $13K | 31.56% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 20.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | TOM KAMINSKY 701 B STREET SAN DIEGO, CA 92101 | DELTA DENTAL OF ARIZONA | $10K | — | $10K | 31.65% |
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 | 1,595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 750 | $73K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,982 | $164K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,583 | $340K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,512 | $276K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,583 | $349K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,301 | $1.4M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,598 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,982 | — |
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.