| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLER INSURANCE GROUP3 | 770 S. WEST TEMPLE SALT LAKE CITY, UT 84101 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.29% |
| MILLER INSURANCE GROUP3 Filed as: MILLER INSURANCE GROUP, LLC | 730 S WEST TEMPLE SALT LAKE CITY, UT 84101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| MILLER INSURANCE GROUP3 Filed as: MILLER INSURANCE GROUP, LLC | 730 S WEST TEMPLE SALT LAKE CITY, UT 84101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MILLER INSURANCE GROUP3 | 770 S. WEST TEMPLE SALT LAKE CITY, UT 84101 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $656 | $0 | $656 | 7.00% |
| MILLER INSURANCE GROUP3 | 770 S. WEST TEMPLE SALT LAKE CITY, UT 84101 | OPTICARE VISION SERVICES | $822 | $0 | $822 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIVERSITY OF UTAH HEALTH INSURANCE EIN 47-2293857 THIRD-PARTY CLAIMS | Claims processing Service code 12 | — | $59K |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | TOWN & COUNTRY LIFE INSURANCE COMPANY | 109 | $51K |
| Vision | OPTICARE VISION SERVICES | 133 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $20K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.