| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY | $65K | — | $65K | 9.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DENVER | P P BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY | $24K | $3K | $27K | 10.09% |
| AON CONSULTING INC3 Filed as: AON SECURITIES INC | PIEDMONT ROAD N E BUILDING ONE SUITE 600 ATLANTA, GA 30305 | PRUDENTIAL INSURANCE COMPANY | — | $14K | $14K | 6.13% |
| VISION SERVICE PLAN5 | P O BOX 997100 SACRAMENTO, CA 958997100 | VISION SERVICE PLAN | — | $26K | $26K | 13.04% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 1.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 9.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P O BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY | — | $1K | $1K | 5.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WISE PROVIDER EIN 20-3082496 NONE | Contract Administrator Service code 13 | 6995 UNION PARK CENTER SUITE 250 COTTONWOOD HEIGHTS, UT 84047 | $149K |
| I C SECURITY PRINTERS EIN 87-0396638 NONE | Participant communication Service code 38 | 4080 SOUTH 500 WEST SALT LAKE CITY, UT 84117 | $39K |
| ROY & ASSOCIATES EIN 87-0429084 NONE | Actuarial Service code 11 | 4505 WASATCH BLVD SALT LAKE CITY, UT 84124 | $23K |
| GLOBAL CARE EIN 31-1407689 NONE | Contract Administrator Service code 13 | 6875 SHILOH ROAD EAST ALPHAETTE, GA 30005 | $18K |
| TOTAL DENTAL ADMINISTRATORS INC EIN 87-0544289 NONE | Contract Administrator Service code 13 | 2111 HIGHLAND SUITE 250 PHOENIX, AZ 85016 | $17K |
| XEOS EIN 20-0632721 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1238 NORTH 750 WEST STE D SPRINGVILLE, UT 84663 | $15K |
| EMDEON EIN 20-5591816 NONE | Claims processing Service code 12 | P O BOX 572490 MURRAY, UT 841572490 | $9K |
| OSBORNE, ROBBINS & BUHLER PLLC EIN 87-0502712 NONE | Accounting (including auditing) Service code 10 | 4527 SOUTH 2300 EAST SALT LAKE CITY, UT 84117 | $9K |
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 | 2,463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,706 | $197K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 3,209 | $1.1M |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY | 2,236 | $408K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 3,209 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,209 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.