| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC Filed as: WANSUTTER INSURANCE & RISK MGMT. | 2469 FORT UNION BLVD. SALT LAKE CITY, UT 84121 | GERBER LIFE INSURANCE COMPANY | $127K | — | $127K | 12.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD, STE 210 SCOTTSDALE, AZ 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $33K | $10K | $44K | 10.45% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $25K | $11K | $36K | 12.74% |
| WELLER INVESTMENTS INSURANCE Filed as: WELLER INVESTMENTS & INSURANCE | PO BOX 71408 SALT LAKE CITY, UT 84121 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD, STE 210 SCOTTSDALE, AZ 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | $337 | $1K | — |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD, STE 210 SCOTTSDALE, AZ 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $604 | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSPITAL & MEDICAL EIN 84-0747736 SERVICE PROVIDER | Claims processing; Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 12 | 700 BROADWAY STE. 600 DENVER, CO 80203 | $608K |
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 | 665 | 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) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 670 | $40K |
| Vision | VISION SERVICE PLAN | 680 | $143K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 697 | $420K |
| Short-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 697 | $420K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 697 | $282K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 678 | $1.1M |
| Other(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 697 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.