| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC. | 3900 N. TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | SELECTHEALTH | $84K | $71K | $155K | 2.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | SECURIAN LIFE INSURANCE COMPANY | $157K | $66K | $222K | 7.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK - EE BENEFITS | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $32K | $27K | $59K | 2.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | SECURIAN LIFE INSURANCE COMPANY | $17K | $6K | $23K | 8.23% |
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 | 7,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 3,009 | $7.1M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 10,927 | $2.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 0 | $2.0M |
| Other(6 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 10,927 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,927 | — |
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.