| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS INC EIN 38-2383171 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $318K |
| RAEL & LETSON EIN 94-1457076 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $80K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $54K |
| CALIFORNIA PHYSICIANS SERVICE EIN 94-0360524 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $43K |
| VERUS NONE | Direct payment from the plan; Investment management Service code 28 | 425 CALIFORNIA ST 17TH FL SAN FRANCISCO, CA 94104 | $31K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $29K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| LITTLER MENDELSON, PC PARTY-IN- INTEREST | Trustee (directed); Direct payment from the plan Service code 25 | 1255 TREAT BLVD STE 600 WALNUT CREEK, CA 94597 | $12K |
| NWPS EIN 91-2090931 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $12K |
| ALSWEET ASSOCIATES NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 533 S FREMONT AVE STE 800 LOS ANGELES, CA 90071 | $6K |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 387 | $4.3M |
| Vision | VISION SERVICE PLAN | 399 | $69K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $10K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 369 | $366K |
| Other | CLAREMONT BEHAVIORAL SERVICES, INC. | 394 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.