| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC | N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $37K | — | $37K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS INC. EIN 38-2383171 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $168K |
| RAEL & LETSON EIN 94-1701048 NONE | Actuarial Service code 11 | — | $69K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $66K |
| KRAW LAW GROUP EIN 32-0465891 NONE | Legal; Direct payment from the plan Service code 29 | — | $50K |
| POST ADVISORY GROUP NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 2049 CENTURY PARK E STE 3050 LOS ANGELES, CA 90067 | $34K |
| UNION BANK NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 513840 LOS ANGELES, CA 90051 | $28K |
| MCMENOMY & ASSOCIATES CPAS, LLP EIN 46-1559312 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| WITHUM SMITH+BROWN PC NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 1925 PALOMAR OAKS WAY STE 210 CARLSBAD, CA 92008 | $11K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $11K |
| SEGALL, BRYANT & HAMILL EIN 41-1788385 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $10K |
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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 709 | $101K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 268 | $743K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,130 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.