| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $75K | $36K | $110K | 12.23% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP | — | UNITED STATES FIRE INSURANCE | $24K | — | $24K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $9K | $41K | 6.27% |
No Schedule C service providers reported on this filing.
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 | 1,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,686 | $659K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,686 | $659K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 988 | $903K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 988 | $903K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 988 | $903K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE | 1,414 | $790K |
| Other | OUTCOMES, INC | 1,331 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,686 | — |
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.