| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $23K | — | $23K | 4.58% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.85% |
| BENEFIT STRATAGIES AGENCY, LLC3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.71% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.41% |
| BENEFIT STRATAGIES AGENCY, LLC3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $168 | — | $168 | 0.59% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.75% |
| BENEFIT STRATAGIES AGENCY, LLC3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $581 | — | $581 | 3.25% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.43% |
| BENEFIT STRATAGIES AGENCY, LLC3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $534 | — | $534 | 3.58% |
| JAMES R TAYLOR AGENCY INC3 Filed as: JAMES R TAYLOR AGENCY, INC. | 303 W MADISON ST STE 2000 CHICAGO, IL 60606 | VISION SERVICE PLAN | $427 | — | $427 | 3.03% |
| BENEFIT STRATEGIES AGENCY, LLC3 | 655 FOX RUN RD STE A FINDLAY, OH 458408401 | VISION SERVICE PLAN | $417 | — | $417 | 2.96% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $466 | — | $466 | 11.00% |
| BENEFIT STRATAGIES AGENCY, LLC3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $169 | — | $169 | 3.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $871K |
| CORESOURCE EIN 35-1846036 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $101K |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $92K |
| Vision | VISION SERVICE PLAN | 187 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $18K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 187 | $497K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.