| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | — | $136K | $136K | 5.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFITS SOLUTIONS LLC | ATTN JILL K SHULMAN 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $50K | — | $50K | 1.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY, INC. EIN 35-0781558 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $1.6M |
| PROFESSIONAL BENEFIT ADMINISTRATORS EIN 36-3384135 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.4M |
| TRUESCRIPTS MANAGEMENT SERVICES EIN 46-4334244 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $977K |
| GRAND ROUNDS, INC. EIN 45-3580052 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $484K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 NONE | Claims processing; Contract Administrator Service code 12 | — | $227K |
| RONALD F. REMAK INSURANCE, INC. NONE | Insurance agents and brokers Service code 22 | 306 STATE ROAD 446 BLOOMINGTON, IN 47401 | $65K |
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 | 7,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 14,791 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,791 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.