| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP | — | UNIMERICA INSURANCE COMPANY | $58K | — | $58K | 6.99% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $41K | — | $41K | 14.71% |
| WATCH TOWER BENEFITS3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 1.50% |
| MJ INSURANCE3 | — | DELTA DENTAL | $7K | — | $7K | 4.69% |
| MJ INSURANCE3 | — | VISION SERVICE PLAN | $2K | — | $2K | 3.89% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | — | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 597 | $32K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 597 | $178K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 597 | $77K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 349 | $278K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 349 | $278K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 349 | $278K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 282 | $833K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 597 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.