| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC | 18940 N PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $19K | $29K | 7.42% |
| JA BENEFITS LLC | 1630 H STREET BEDFORD, IN 47421 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | $13K | $44K | 18.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | $160K |
| TASC EIN 39-1561025 FSA ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $5K |
| JA BENEFITS LLC EIN 20-1799098 BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 1630 H STREET BEDFORD, IN 47421 | $0 |
| INGENIORX, INC. EIN 82-3062245 SUBCONTRACTOR FOR ANTHEM | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 450 HEADQUARTERS PLAZA 7TH FLOOR EAST TOWER MORRISTOWN, NJ 07960 | -$32K |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $237K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $237K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $237K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $237K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $237K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 242 | $389K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.