| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $70K | $27K | $97K | 6.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIAM C. EARHART CO., INC. EIN 93-0509592 NONE | Participant communication; Other fees; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Direct payment from the plan Service code 12 | — | $352K |
| AETNA EIN 06-6033492 NONE | Accounting (including auditing); Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Claims processing Service code 10 | — | $264K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $89K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $46K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| HEALTHLINX EIN 87-0660214 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $34K |
| US BANK, N.A. EIN 31-0841368 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management fees paid directly by plan; Other services; Investment management; Custodial (securities) Service code 19 | — | $28K |
| DCC, INC. DBA RENALOGIC EIN 22-3857341 NONE | Direct payment from the plan; Other services Service code 49 | — | $17K |
| CENVEO EIN 83-1681581 NONE | Other services; Direct payment from the plan Service code 49 | — | $17K |
| PACIFIC HEALTH COALITION EIN 94-3283661 NONE | Direct payment from the plan; Other services Service code 49 | — | $13K |
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 | 1,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 221 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 2,643 | $28K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 962 | $1.4M |
| Other | LIFEMAP ASSURANCE COMPANY | 2,643 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,643 | — |
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 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.