| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS LLC DBA | STEALTH PARTNER GROUP 18940 N. PIMA ROAD #210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 5.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GBS BENEFITS / GORDON BROWN | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $5K | — | $5K | 7.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.50% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $34 | $34 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $159K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $85K |
| GBS BENEFIT, INC. EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $23K |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UMR, INC. | 105 | $309K |
| Dental(2 contracts, 2 carriers) | UMR, INC. | 289 | $348K |
| Vision | UMR, INC. | 98 | $275K |
| Life insurance | UMR, INC. | 98 | $275K |
| Short-term disability | UMR, INC. | 98 | $275K |
| Long-term disability | UMR, INC. | 98 | $275K |
| Prescription drug | UMR, INC. | 98 | $275K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UMR, INC. | 108 | $509K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.