| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | TOKIO MARINE HCC | — | $45K | $45K | 5.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PRESCOTT PAILET BENEFITS 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $526 | $2K | 20.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP AND PENSION ADMIN INC | Claims processing Service code 12 | PARK CENTRAL 8 12770 MERIT DRIVE, SUITE 200 DALLAS, TX 75251 | $131K |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 521 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 205 | $157K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 205 | $157K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 222 | $829K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 205 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.
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.