| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | WELLPOINT STOP LOSS | — | $128K | $128K | 7.00% |
| IMA, INC.3 Filed as: IMA INC. | 136 E S TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | SYMETRA LIFE INSURANCE COMPANY | $36K | $51K | $87K | 5.02% |
| JEANA HUTCHINGS3 Filed as: JEANA L HUTCHINGS | 136 E S TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | SYMETRA LIFE INSURANCE COMPANY | $357 | — | $357 | 0.02% |
| IMA, INC.3 Filed as: IMA INC. | 95 S STATE STREET STE 1300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $15K | — | $15K | 3.86% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP | — | $10K | $10K | 2.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATION | Claims processing Service code 12 | — | $571K |
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $404K |
| CONNECTICUT GENERAL LIFE INS(CIGNA) EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $237K |
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 | 1,923 | 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) | 1,936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 1,127 | $0 |
| Dental(2 contracts, 2 carriers) | CONNNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | 1,127 | $137K |
| Vision | AMERITAS LIFE INSURANCE CORP | 3,157 | $394K |
| Life insurance(2 contracts, 2 carriers) | WELLPOINT STOP LOSS | 2,791 | $3.6M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,791 | $1.7M |
| Stop-loss / reinsurancereinsurance | SELECTHEALTH | 1,127 | $0 |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,157 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,157 | — |
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.