| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 1870 N HAYDEN RD, SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $24K | $27K | $51K | 10.65% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $103 | $2K | 4.29% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 E CAMELBACK RD STE 420 PHOENIX, AZ 85016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $880 | — | $880 | 2.12% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $873 | — | $873 | 2.10% |
| REYNA, GINGER, CHRISTINE3 | 1921 E HICHORY HILL RD ARGYLE, TX 76226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC-HQ | 18100 VON KARMAN AVE. 10TH FLOOR IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $51 | $51 | 0.12% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 | 9370 SKY PARK CT, SUITE 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $71 | $2K | 21.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 2415 E CAMELBACK RD STE 420 PHOENIX, AZ 85016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $897 | — | $897 | 8.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC-HQ | 18100 VON KARMAN AVE. 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $53 | $53 | 0.52% |
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 | 233 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 410 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 233 | $146K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 88 | $42K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 233 | $147K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 196 | $481K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 233 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.