| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 N HAYDEN RD SCOTTSDALE, AZ 85255 | THE UNION LABOR LIFE INSURANCE COMPANY | $26K | — | $26K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $117K |
| BENEFIT ADMINISTRATION CORPORATION EIN 94-1646941 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $50K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $42K |
| TRANSWESTERN EIN 77-0118024 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $40K |
| LAW OFFICE OF MICHAEL E MOSS EIN 91-1882299 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| NEYHART ANDERSON FLYNN & GROSBOLL EIN 94-2576729 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $23K |
| HEALTHSMART EIN 06-1621470 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $14K |
| STRATEGIC CAPITAL INV ADVISORS NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 700 E BUTTERFIELD RD STE 320 LOMBARD, IL 60148 | $8K |
| HENRY CHIU, ESQ. EIN 82-4894967 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
| AMALGAMATED LIFE INSURANCE CO. EIN 13-5501223 NONE | Other services; Direct payment from the plan; Insurance services Service code 23 | — | $6K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Other services Service code 49 | — | $6K |
| UNION DATA SYSTEMS EIN 27-1619539 NONE | Direct payment from the plan; Other services Service code 49 | — | $5K |
| MARSH & MCLENNAN INSURANCE AGENCY EIN 36-1436000 NONE | Insurance brokerage commissions and fees; Soft dollars commissions Service code 53 | — | $0 |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 163 | $6K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 164 | $526K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.