| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE DBA MAGELLAN INC | 199 N 290 W SUITE 200 LINDON, UT 84042 | SELECTHEALTH | $20K | $7K | $27K | 3.42% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE DBA MAGELLAN INC | 199 N 290 W SUITE 200 LINDON, UT 84042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $1K | $14K | 10.14% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE DBA MAGELLAN INC | 199 N 290 W SUITE 200 LINDON, UT 84042 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 15.05% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE DBA MAGELLAN INC | 199 N 290 W SUITE 200 LINDON, UT 84042 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 14.98% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 515 | $784K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 166 | $140K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 166 | $140K |
| Life insurance | HUMANA INSURANCE COMPANY | 173 | $21K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 172 | $17K |
| Long-term disability | KANAWHA INSURANCE COMPANY | 172 | $17K |
| Prescription drug | SELECTHEALTH | 515 | $784K |
| Other | HUMANA INSURANCE COMPANY | 173 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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."
No prospect flags tripped on this filing.