| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $11K | $33K | 6.84% |
| PARTNER'S BENEFIT GROUP LLC3 | 1476 CARPENTER ROAD TIFTON, GA 31793 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 2.76% |
| PARTNER'S BENEFIT GROUP LLC3 | PO BOX 1869 TIFTON, GA 31793 | STANDARD INSURANCE COMPANY | $68K | $0 | $68K | 17.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF GEORG EIN 58-0469845 | Other fees; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $323K |
| BLUE CROSS BLUE SHIELD HEALTHCARE P EIN 58-1638390 | Claims processing; Insurance brokerage commissions and fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Other commissions; Non-monetary compensation; Insurance agents and brokers; Other fees Service code 12 | — | $291K |
| PARTNER'S BENEFIT GROUP LLC EIN 58-1638390 | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | PO BOX 7770 TIFTON, GA 31793 | $0 |
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 | 586 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 640 | $392K |
| Short-term disability | STANDARD INSURANCE COMPANY | 640 | $392K |
| Long-term disability | STANDARD INSURANCE COMPANY | 640 | $392K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 586 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
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.