Form 5500 · Employee benefit plan · SPRING HILL, FL
CSTS CUSTOMER SERVICE AND TECHNOLOGY SOLUTIONS, LLC
The filing calls this plan CSTS CUSTOMER SERVICE AND TECHNOLOGY SOLUTIONS, LLC HEALTH & WELFARE BENEFITS PLAN.
Public Form 5500 records show how CSTS CUSTOMER SERVICE AND TECHNOLOGY SOLUTIONS, LLC of SPRING HILL, FL, a professional services employer, structures its employee benefits. Its broker of record is BLADE BENEFIT CONSULTING. Coverage is written through STANDARD INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 85-1012413 · plan 501 · plan year 2025, filed Mar 25, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering dental, vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 132 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $106,860, with $16,939 in disclosed broker commissions — about 16% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
BLADE BENEFIT CONSULTING is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Life | 132 | Aug 31, 2025 | $47,306 | $7,190 |
| STANDARD INSURANCE COMPANY | Disability | 28 | Sep 1, 2025 | $19,464 | $2,920 |
| STANDARD INSURANCE COMPANY | Disability | 44 | Sep 1, 2025 | $17,611 | $2,642 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 15 | Sep 1, 2025 | $15,935 | $2,549 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 99 | Sep 1, 2025 | $6,544 | $1,638 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 170567. For the contract year on this filing, the carrier reported $47,306 in premium earned and $-4,214 in claims incurred. Dividing one by the other gives -9%.
STANDARD INSURANCE COMPANY, contract 170567. For the contract year on this filing, the carrier reported $19,464 in premium earned and $-9,360 in claims incurred. Dividing one by the other gives -48%.
- STANDARD INSURANCE COMPANY, contract 170567 reported $51,517 in retention.
- STANDARD INSURANCE COMPANY, contract 170567 reported $28,824 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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