| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | $30K | $65K | 4.43% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | — | $39K | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIAM C. EARHART CO., INC. EIN 93-0509592 NONE | Other fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Contract Administrator; Copying and duplicating; Claims processing Service code 12 | — | $629K |
| AETNA EIN 06-6033492 NONE | Insurance services; Direct payment from the plan; Claims processing Service code 12 | — | $246K |
| DCC, INC DBA RENALOGIC EIN 22-3857341 NONE | Direct payment from the plan; Other services Service code 49 | — | $175K |
| RAEL & LETSON EIN 94-1701048 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $97K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $68K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $43K |
| HEALTHLINX EIN 87-0660214 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $41K |
| US BANK N.A EIN 31-0841368 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Direct payment from the plan; Custodial (securities); Other services Service code 19 | — | $37K |
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 | 1,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 278 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,003 | $1.5M |
| Other | LIFEMAP ASSURANCE COMPANY | 3,074 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,074 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.