| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N. PIMA ROAD SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $29K | $71K | $100K | 17.41% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N. PIMA ROAD SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $21K | — | $21K | 3.69% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N. PIMA ROAD SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $8K | — | $8K | 1.31% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | AMERITAS LIFE INSURANCE CORP. | $33K | $4K | $36K | 11.16% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | P.O. BOX 1299 AMARILLO, TX 79105 | US FIRE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | P.O. BOX 1299 AMARILLO, TX 79105 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAXOR EIN 37-1692805 THIRD PARTY ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | P.O. BOX 15050 AMARILLO, TX 79105 | $94K |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 347 | $575K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 715 | $326K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 715 | $326K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 167 | $48K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 167 | $48K |
| Other(2 contracts, 2 carriers) | US FIRE INSURANCE COMPANY | 347 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 715 | — |
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.