| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP LLC | 18940 N. PIMA RD STE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 4.57% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST #200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 16.11% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST #200 TAMPA, FL 33606 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 9900 BREN ROAD EAST MINNETONKA, MN 55343 | $230K |
| ANCHOR BENEFIT CONSULTING EIN 59-3283085 DENTAL CLAIM PROCESSOR | Claims processing; Other services Service code 12 | 2400 MAITLAND CENTER PKWY STE 111 MAITLAND, FL 32751 | $6K |
| M.E. WILSON COMPANY, LLC EIN 59-2585447 BROKER | Other commissions Service code 55 | P.O. BOX 373 TAMPA, FL 33601 | $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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 159 | $24K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 275 | $223K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 275 | $223K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 275 | $223K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $508K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 275 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.