| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SLTNS | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 852556343 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 81-0216685 NONE | Claims processing Service code 12 | — | $619K |
| JCCS BENEFIT CONSULTING GROUP EIN 81-0348775 PARTY-IN-INTEREST | Plan Administrator Service code 14 | — | $110K |
| LEAVITT GREAT WEST EIN 57-1195029 PARTY-IN-INTEREST | Consulting (general) Service code 16 | — | $76K |
| DELTA DENTAL INSURANCE COMPANY NONE | Claims processing Service code 12 | 1130 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | $68K |
| JUNKERMIER, CLARK, CAMPANELLA EIN 81-0348775 PARTY-IN-INTEREST | Accounting (including auditing) Service code 10 | — | $56K |
| VEZA, LLC EIN 82-1120693 NONE | Other services Service code 49 | — | $49K |
| MEDIMPACT EIN 33-0567651 NONE | Claims processing Service code 12 | — | $36K |
| INNOVATIVE HEALTHCARE DELIVERY EIN 45-4308529 NONE | Other services Service code 49 | — | $18K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing Service code 12 | — | $15K |
| RENALOGIC EIN 22-3857341 NONE | Other services Service code 49 | — | $15K |
| ANCHOR BENEFIT CONSULTING NONE | Other services Service code 49 | PO BOX 945260 MAITLAND, FL 32794 | $12K |
| DOUGLAS WILSON & COMPANY, P.C. EIN 81-0446334 NONE | Accounting (including auditing) Service code 10 | — | $11K |
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 | 1,188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 3,405 | $10.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,578 | $492K |
| Vision | VISION SERVICE PLAN | 1,271 | $121K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,238 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,578 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.