| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $21K | $33K | $53K | 6.17% |
| RINA TIKIA3 Filed as: RINA R TIKIA | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRIE, LA 70002 | RELIASTAR LIFE INSURANCE COMPANY | $36K | — | $36K | 4.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 021101700 | RELIASTAR LIFE INSURANCE COMPANY | $18K | — | $18K | 2.03% |
| RINA TIKIA3 | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRIE, LA 70002 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 10.15% |
| RINA TIKIA3 | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 KENNER, LA 70002 | STANDARD INSURANCE COMPANY | $29K | — | $29K | 20.00% |
| RINA TIKIA3 | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 KENNER, LA 70002 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 20.00% |
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 | 692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,125 | $268K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,125 | $268K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 692 | $863K |
| Short-term disability | STANDARD INSURANCE COMPANY | 407 | $146K |
| Long-term disability | STANDARD INSURANCE COMPANY | 252 | $82K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 692 | $863K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 692 | $863K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,125 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.