| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2415 E CAMELBACK RD STE 420 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | — | $67K | 6.92% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $4K | $17K | 20.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 20.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.01% |
| STHEALTH BENEFIT SOLUTIONS LLC4 Filed as: STHEALTH BENEFIT SOLUTIONS | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | ELIPSLIFE INSURANCE COMPANY | $5K | — | $5K | 21.00% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST, STE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 1.19% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $194 | — | $194 | 1.07% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC DBA | BEAR PAW BENEFITS 10320 ORLAND PKWY ORLAND PARK, IL 60467 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.67% |
| WELLNESS OF AMERICA LLC3 | PO BOX 122 WOODY CREEK, CO 81656 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.65% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 - 12TH STREET HAMMONTON, NJ 80370 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| STHEALTH BENEFIT SOLUTIONS LLC4 Filed as: STHEALTH BENEFIT SOLUTIONS | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | ELIPSLIFE INSURANCE COMPANY | $3K | — | $3K | 21.00% |
| STHEALTH BENEFIT SOLUTIONS LLC4 Filed as: STHEALTH BENEFIT SOLUTIONS | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | ELIPSLIFE INSURANCE COMPANY | $2K | — | $2K | 21.00% |
| WELLNESS OF AMERICA LLC3 | PO BOX 122 WOODY CREEK, CO 81656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $569 | — | $569 | 10.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $613 | $204 | $817 | 19.99% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58 | $19 | $77 | 19.20% |
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 | 532 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $962K |
| Life insurance(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 555 | $114K |
| Short-term disability | ELIPSLIFE INSURANCE COMPANY | 555 | $13K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 555 | $68K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $962K |
| Other(6 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 665 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.