| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS LOLC | 18940 NORTH PIMA ROAD #210 SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $7K | $0 | $7K | 4.63% |
| GROUP BENEFIT SOLUTIONS3 | 580 DAVIDSON GATEWAY DRIVE DAVIDSON, NC 28036 | HUMANA, INC. | $5K | $0 | $5K | 9.98% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON-SALEM, NC 27114 | HUMANA, INC. | $2K | $0 | $2K | 4.99% |
| GROUP BENEFIT SOLUTIONS3 | 580 DAVIDSON GATEWAY DRIVE DAVIDSON, NC 28036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $179 | $2K | 9.46% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $239 | $239 | 1.06% |
| GROUP BENEFIT SOLUTIONS3 | 580 DAVIDSON GATEWAY DRIVE DAVIDSON, NC 28036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $137 | $3K | 14.64% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $214 | $214 | 1.11% |
| GROUP BENEFIT SOLUTIONS3 | 580 DAVIDSON GATEWAY DRIVE DAVIDSON, NC 28036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $125 | $2K | 10.81% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $188 | $188 | 1.21% |
| IBSI HOLDINGS INC3 Filed as: IBSI BROKERS | P O BOX 24337 WINSTON SALEM, NC 27114 | EYEMED | $393 | $0 | $393 | 5.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE INC. EIN 35-1846036 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $44K |
| GROUP BENEFIT SOLUTIONS EIN 27-1018705 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $29K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $16K |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA, INC. | 96 | $50K |
| Vision | EYEMED | 138 | $7K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $22K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 44 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $19K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 91 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.