| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTION | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY | $9K | $0 | $9K | 4.96% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | UNITED HELATHCARE INSURANCE COMPANY | $753 | $0 | $753 | 1.50% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | VSP | $792 | $0 | $792 | 6.58% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE | $443 | $55 | $498 | 11.24% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE | $460 | $38 | $498 | 16.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $104K |
| DIVERSIFIED INSURANCE GROUP BROKER | Other commissions Service code 55 | 136 E TEMPLE #2300 SALT LAKE CITY, UT 84111 | $33K |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HELATHCARE INSURANCE COMPANY | 168 | $50K |
| Vision | VSP | 44 | $12K |
| Life insurance | UNUM LIFE INSURANCE | 88 | $4K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY | 81 | $176K |
| Other(3 contracts, 2 carriers) | STEALTH PARTNER GROUP | 88 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.