| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC5 Filed as: STEALTH BENEFIT SOLUTIONS | 18940 N PIMA ROAD, 210 SCOTTSDALE, AZ 85255 | QBE INSURANCE | — | $11K | $11K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 | Contract Administrator Service code 13 | — | $169K |
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 | Claims processing; Contract Administrator Service code 12 | — | $161K |
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 | Insurance services Service code 23 | — | $52K |
| STARPOINT, LLC EIN 03-0507057 | Contract Administrator Service code 13 | — | $16K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $9K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 | Contract Administrator Service code 13 | — | $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 | 1,668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 439 | $2.2M |
| Dental(3 contracts, 2 carriers) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 439 | $2.2M |
| Vision | UNITED HERITAGE LIFE INS CO | 1,202 | $141K |
| Life insurance | UNITED HERITAGE LIFE INS CO | 1,888 | $152K |
| Long-term disability | UNITED HERITAGE LIFE INS CO | 1,467 | $175K |
| Prescription drug(3 contracts, 2 carriers) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 439 | $2.2M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 1,323 | $230K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,236 | $905K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,888 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.