| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | — | $48K | 4.59% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN, INC. | $50K | — | $50K | 4.89% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N. CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | AETNA INSURANCE COMPANY | $145K | — | $145K | 37.42% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | — | $19K | 4.89% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | VISION SERVICES PLAN | $15K | — | $15K | 7.00% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 38.57% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | AETNA INSURANCE COMPANY | — | $1.6M | $1.6M | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $1.6M |
| IPS ADVISORS, INC. CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 10000 N CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | $249K |
| STHEALTH BENEFIT SOLUTIONS LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | $48K |
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 | 1,899 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,194 | $1.4M |
| Vision | VISION SERVICES PLAN | 1,820 | $213K |
| Life insurance | AETNA INSURANCE COMPANY | 1,899 | $388K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,027 | $1.1M |
| Other | AETNA LIFE INSURANCE COMPANY | 1,272 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,194 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.