| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 5 TRIAD CTR, SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $26K | $0 | $26K | 0.72% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF TEXAS, INC. | 15305 DALLAS PARKWAY, SUITE 1100 ADDISON, TX 75001 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 20.00% |
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 | 5,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,983 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,589 | $4.2M |
| Long-term disability | UNICARE LIFE & HEALTH INSURANCE COMPANY | 1,951 | $687K |
| Other(2 contracts, 2 carriers) | UNICARE LIFE & HEALTH INSURANCE COMPANY | 2,389 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,589 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.