| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD STE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP, LLC | 18940 NORTH PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS, INC. EIN 38-2383171 NONE | Plan Administrator; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $418K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general) Service code 16 | — | $85K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Consulting (general); Actuarial Service code 11 | — | $69K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $64K |
| SEYFARTH SHAW LLP EIN 36-2152202 NONE | Legal Service code 29 | — | $50K |
| UPRISE HEALTH (FORMERLY HMC) EIN 75-3189468 NONE | Other services Service code 49 | — | $33K |
| WOHLNER KAPLON CUTLER HALFORD & ROS EIN 83-2856417 NONE | Legal Service code 29 | — | $30K |
| HENNINGFIELD & ASSOCIATES, INC. EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $26K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing Service code 12 | — | $24K |
| UNION BANK EIN 94-0304288 NONE | Other services Service code 49 | — | $23K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $22K |
| BARRY S. MITCHELL, DDS EIN 95-3919508 NONE | Consulting fees Service code 70 | — | $12K |
| SOUTHWEST MONEY MANAGEMENT EIN 95-6055492 NONE | Investment advisory (plan) Service code 27 | — | $7K |
| MARGO LIEWEN, DDS EIN 95-3865232 NONE | Consulting fees Service code 70 | — | $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 | 1,478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 282 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 1,044 | $152K |
| Vision | VISION SERVICE PLAN | 1,377 | $190K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 346 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,736 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.