| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE CO. | — | — | $0 | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | UNITEDHEALTHCARE INSURANCE CO. | — | — | $0 | — |
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP, LLC | 18940 NORTH PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | THE UNION LABOR LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATORS, INC. EIN 88-0277518 NONE | Claims processing; Direct payment from the plan; Accounting (including auditing); Contract Administrator; Participant communication Service code 10 | — | $359K |
| EDGEWOOD PARTNERS INSURANCE CENTER EIN 94-3195221 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $38K |
| NEYHART, ANDERSON, FLYNN & GROSBOLL EIN 94-2576729 NONE | Legal; Direct payment from the plan Service code 29 | — | $35K |
| BERRY & CO, CPA'S LTD EIN 88-0400174 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| ANDCO CONSULTING EIN 59-3676225 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $10K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid indirectly by plan; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $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 | 809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITEDHEALTHCARE INSURANCE CO. | 0 | $0 |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $0 |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE CO. | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.