| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $24K | $46K | $70K | 7.54% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | STANDARD INSURANCE COMPANY | $33K | $9K | $42K | 8.56% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | STANDARD INSURANCE COMPANY | $51K | $7K | $58K | 12.67% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | STANDARD INSURANCE COMPANY | $30K | $6K | $37K | 8.17% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $2K | $19K | 5.51% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | STANDARD INSURANCE COMPANY | $16K | $3K | $19K | 23.84% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $318 | $3K | 5.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF GA EIN 58-1638390 CLAIMS ADMIN | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $660K |
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 CLAIMS ADMIN | Contract Administrator; Claims processing; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $131K |
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 | 1,492 | 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) | 1,492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 57 | $398K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,130 | $460K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,282 | $450K |
| Long-term disability | STANDARD INSURANCE COMPANY | 961 | $487K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,608 | $930K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,130 | — |
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.