| 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 | $26K | — | $26K | 4.98% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.89% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $606 | — | $606 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $747K |
| CORESOURCE EIN 35-1846036 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $163K |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $111K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $111K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $17K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 166 | $512K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.