| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | NATIONAL UNION FIRE INSURANCE CO. | $32K | — | $32K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN EMP BENFTS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $35K | $6K | $41K | 17.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $331K |
| HUB INTERNATIONAL MIDWEST LIMITED EIN 35-0672425 NONE | Other commissions Service code 55 | — | $75K |
| RXBENEFITS EIN 63-1157085 NONE | Claims processing Service code 12 | — | $9K |
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 | 571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 736 | $177K |
| Life insurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 485 | $416K |
| Long-term disability(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 485 | $299K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONAL UNION - STEALTH PARTNER GROUP | 535 | $1.4M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 485 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.