| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS LLC DBA | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | — | $52K | 4.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | COMPANION LIFE INSURANCE COMPANY | $129K | — | $129K | 26.51% |
| ROBERT J. MINEO INSURANCE, LLC3 Filed as: ROBERT J MINEO INSURANCE, LLC | — | COMPANION LIFE INSURANCE COMPANY | $12K | — | $12K | 2.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | — | UNITED CONCORDIA INSURANCE COMPANY | $41K | — | $41K | 18.44% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRE, LA 70002 | HUMANA INSURANCE COMPANY | $2K | $2K | $4K | 6.33% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 420 LEXINGTON AVENUE SUITE 2700 NEW YORK, NY 10170 | HUMANA INSURANCE COMPANY | $717 | — | $717 | 1.26% |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 542 | $222K |
| Vision | HUMANA INSURANCE COMPANY | 444 | $57K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 639 | $485K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 639 | $485K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 639 | $485K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 581 | $1.1M |
| Other | COMPANION LIFE INSURANCE COMPANY | 639 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.