| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH5 | 4630 WOODLAND CORPORATE BLVD MAIL STOP F395 TAMPA, FL 33614 | RELIASTAR LIFE INSURANCE COMPANY | — | $662K | $662K | 69.96% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | RELIASTAR LIFE INSURANCE COMPANY | $284K | — | $284K | 30.04% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 852556343 | RELIASTAR LIFE INSURANCE COMPANY | $117K | — | $117K | 12.32% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | AETNA LIFE INSURANCE CO. | $51K | — | $51K | 9.07% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFITS SOLUTIONS | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 4.54% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 6180 CAROL STREAM, IL 601976180 | VISION SERVICE PLAN | $15K | — | $15K | 10.00% |
| MERITAIN HEALTH3 | 4630 WOODLAND CORPORATE BLVD MAIL STOP F395 TAMPA, FL 33614 | DELTA DENTAL INSURANCE COMPANY | — | $9K | $9K | — |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 1 STAETE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | — |
| MERITAIN HEALTH3 | 4630 WOODLAND CORPORATE BLVD MAIL STOP F395 TAMPA, FL 33614 | DELTA DENTAL INSURANCE COMPANY | — | $57K | $57K | — |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $107K |
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 | 2,311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 2,633 | $0 |
| Vision | VISION SERVICE PLAN | 1,266 | $147K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,308 | $560K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,458 | $946K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 2,308 | $560K |
| Prescription drug | CVS PHARMACY, INC | 0 | $2.5M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,458 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,458 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.