| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALATH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 5.00% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATIES INC DBA LAURUS STRA | 55 W MONROE ST., STE. 500 CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 1.41% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS STRAT | 55 WEST MONROE ST SUITE 500 CHICAGO, IL 60603 | DELTA DENTAL OF NJ, INC. | $9K | — | $9K | 2.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 10.06% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS STRAT | 55 W MONROE STREET STE 500 CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 3.91% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85225 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 15.23% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES,INC. DBA LAURUS STRA | 55 W MONROE STREET SUITE 500 CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGOHUB, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 15.10% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS STRAT | 55 W MONROE STREET STE 500 CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 3.96% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUCTIONS LLC | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $635 | — | $635 | 1.28% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES, INC. | 2200 GENOA BUSINESS PARK DRIVE BRIGHTON, MI 48114 | VISION SERVICE PLAN | $677 | — | $677 | 1.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEWT LIMIETED | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $281 | — | $281 | 10.81% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS STRAT | 55 W MONROE STREET STE 500 CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $172 | $172 | 6.62% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31 | — | $31 | 1.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $477K |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 404 | $344K |
| Vision | VISION SERVICE PLAN | 312 | $49K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $201K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 12 | $3K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $50K |
| Prescription drug | RX BENEFITS | 419 | $860K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 419 | $592K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.