| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 852556343 | RELIASTAR LIFE INSURANCE COMPANY | — | $49K | $49K | 5.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 852556343 | RELIASTAR LIFE INSURANCE COMPANY | $23K | — | $23K | 2.29% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 852556343 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 EAST JACKSON BLVD #14A CHICAGO, IL 60604 | AETNA LIFE INSURANCE CO. | $31K | — | $31K | 11.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $31K | — | $31K | 11.93% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BUILDING 4 SUITE 34 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 5.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E 1ST ST SUITE 400 SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 10.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $9K | $4K | $12K | 9.62% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 8.13% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | EYEMED VISION CARE | $7K | — | $7K | 10.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTINENTAL BENEFITS EIN 38-3919227 NONE | Contract Administrator; Claims processing Service code 12 | 5701 EAST HILLSBOROUGH AVE TAMPA, FL 33610 | $239K |
| AETNA LIFE INSURANCE EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $144K |
| HEALTH EQUITY NONE | Direct payment from the plan; Claims processing Service code 12 | 15 W. SCENIC POINTE DRIVE, STE. 100 DRAPER, UT 84020 | $28K |
| COMPASS HEALTH SERVICE EIN 35-2263629 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $24K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $22K |
| RXBENEFITS, INC. EIN 63-1157085 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $11K |
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 | 1,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,257 | $329K |
| Vision | EYEMED VISION CARE | 1,234 | $71K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,015 | $529K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,015 | $529K |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,015 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,257 | — |
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.