| 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 | $84K | — | $84K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY | $48K | $6K | $54K | 11.25% |
| VISION SERVICE PLAN5 | P O BOX 997100 SACRAMENTO, CA 958997100 | VISION SERVICE PLAN | — | $34K | $34K | 13.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $4K | — | $4K | 1.74% |
| AON CONSULTING INC3 Filed as: AON SECURITIES | 3565 PIEDMONT ROAD BUILDING ONE SUITE 600 ATLANTA, GA 30305 | PRUDENTIAL INSURANCE COMPANY | $15K | — | $15K | 6.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY | — | $3K | $3K | 1.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY | $21K | — | $21K | 9.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY | $4K | $229 | $4K | 15.95% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY | — | $777 | $777 | 3.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WISE PROVIDER NETWORK EIN 20-3082496 NONE | Contract Administrator Service code 13 | 6995 UNION PARK CENTER SUITE 200 SALT LAKE CITY, UT 84047 | $154K |
| ZELIS HEALTHCARE INC EIN 31-1407689 NONE | Contract Administrator Service code 13 | P O BOX 743856 ATLANTA, GA 30374 | $77K |
| GREEN LIGHT COST MANAGEMENT EIN 45-5248276 NONE | Contract Administrator Service code 13 | 17015 NORTH SCOTTSDALE ROAD SUITE 350 SCOTTSDALE, AZ 85255 | $67K |
| OPTUM BANK EIN 47-0858534 NONE | Contract Administrator Service code 13 | 2771 MOMETUM CHICAGO, IL 60689 | $27K |
| ROY AND ASSOCIATES EIN 87-0429084 NONE | Actuarial Service code 11 | 4505 WASATCH BLVD SALT LAKE CITY, UT 84124 | $22K |
| TOTAL DENTAL ADMINISTRATORS EIN 87-0544289 NONE | Contract Administrator Service code 13 | 2111 HIGHLAND SUITE 250 PHOENIX, AZ 85016 | $17K |
| IC SECURITY PRINTERS EIN 87-0396638 NONE | Participant communication Service code 38 | 4080 SOUTH 500 WEST SALT LAKE CITY, UT 84117 | $11K |
| AON CONSULTING EIN 22-2232264 NONE | Consulting (general) Service code 16 | 29695 NETWORK PLACE CHICAGO, IL 10500 | $11K |
| ARATAI INTERNATIONAL LLC EIN 45-5288656 NONE | Contract Administrator Service code 13 | P O BOX 911682 ST GEORGE, UT 84791 | $10K |
| XEOS SOLUTIONS 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 | $10K |
| OSBORNE, ROBBINS & BUHLER PLLC EIN 87-0502712 NONE | Accounting (including auditing) Service code 10 | 4527 SOUTH 2300 WEST 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 | 2,204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 122 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,780 | $257K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 4,131 | $1.3M |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY | 4,131 | $776K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 4,131 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,131 | — |
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.