| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS LLC WEST | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $52K | — | $52K | 2.50% |
| STEALTH PARTNER GROUP LLC3 | 940 ADAMS ST STE G BENICIA, CA 94510 | HCC LIFE INSURANCE COMPANY | $41K | — | $41K | 1.97% |
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $26K | — | $26K | 1.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPERATING ENGINEERS FUNDS, INC. EIN 95-2694167 ADMIN. REIMB. | Plan Administrator Service code 14 | — | $13.7M |
| ANTHEM BLUE CROSS LIFE & HEALTH INS EIN 95-4331852 NONE | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $1.6M |
| NATIONAL INVESTMENT SERVICES EIN 94-3937993 NONE | Investment management Service code 28 | — | $698K |
| LAQUER URBAN CLIFFORD & HODGE LLP EIN 95-4047729 NONE | Legal Service code 29 | — | $388K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $200K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Other fees Service code 50 | — | $179K |
| THE SEGAL COMPANY (WEST ST), INC. EIN 94-1503999 NONE | Consulting (general); Actuarial Service code 11 | — | $139K |
| RAEL & LETSON EIN 94-1701048 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $123K |
| WELLS FARGO BANK EIN 41-0449260 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $65K |
| JACK V. TUNZI EIN 95-4826844 NONE | Consulting (general) Service code 16 | — | $59K |
| PART D ADVISORS, INC. EIN 20-2595200 NONE | Other services Service code 49 | — | $53K |
| PROPEER RESOURCES, LLC EIN 35-2559074 NONE | Claims processing Service code 12 | — | $53K |
| LAW OFFICE OF CARROLL & SCULLY INC EIN 94-2690827 NONE | Legal Service code 29 | — | $47K |
| EDI HEALTH GROUP EIN 90-0117186 NONE | Direct payment from the plan; Other fees Service code 50 | — | $47K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid indirectly by plan; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $36K |
| HUTCHINSON & BLOODGOOD LLP EIN 95-0858589 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $22K |
| UNION BANK EIN 94-0304288 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $19K |
| NEPC, LLC EIN 26-1429809 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $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 | 11,732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,391 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 9,860 | $86.6M |
| Dental(4 contracts, 4 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 4,026 | $2.3M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 508 | $2.7M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 8,743 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,860 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.