| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFITS SOLUTIONS, LLC | 18940 NORTH PIMA ROAD, STE 210 SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $17K | — | $17K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH USA INC | 3625 N ELM ST #200 GREENSBORO, NC 27455 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PHELE AVE STE400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | RELIANCE STANDARD | $9K | $1K | $11K | 23.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | RELIANCE STANDARD | $7K | $1K | $8K | 23.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | RELIANCE STANDARD | $2K | $589 | $3K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | RELIANCE STANDARD | $2K | $493 | $3K | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | RELIANCE STANDARD | $381 | $76 | $457 | 17.98% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 117 | $236K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 255 | $60K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 255 | $60K |
| Life insurance | RELIANCE STANDARD | 143 | $20K |
| Short-term disability | RELIANCE STANDARD | 82 | $47K |
| Long-term disability | RELIANCE STANDARD | 67 | $34K |
| Other(3 contracts) | RELIANCE STANDARD | 143 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.