| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEATH PARTNER GROUP3 | 18940 N. PIMA ROAD SCOTTSDALE, AZ 85255 | THE UNION LABOR LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85225 | THE UNION LABOR LIFE INSURANCE COMPANY | $574 | — | $574 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH ADMINISTRATORS EIN 52-1590516 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $162K |
| EIDE BAILLY LLP EIN 42-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $73K |
| KRAW LAW GROUP APC EIN 32-0465891 NONE | Legal; Direct payment from the plan Service code 29 | — | $49K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $37K |
| U.A. LOCAL 355 EIN 68-0189344 PLAN SPONSOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $36K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Direct payment from the plan; Investment management Service code 28 | — | $32K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $21K |
| ANTHEM BLUE CROSS EIN 95-1780067 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $18K |
| CITY NATIONAL BANK EIN 95-1780067 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $15K |
| DELTA DENTAL EIN 94-1461312 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $11K |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 86 | $11K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 93 | $11K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 66 | $201K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 93 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.