| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $2K | — | $2K | 2.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S&S HEALTHCARE STRATEGIES LTD EIN 31-1418743 NONE | Contract Administrator Service code 13 | P O BOX 527765 MIAMI, FL 33152 | $327K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2767537 NONE | Contract Administrator Service code 13 | P O BOX 887564 LOS ANGELES, CA 90088 | $49K |
| OPTUM BANK EIN 47-0858530 NONE | Contract Administrator Service code 13 | P O BOX 84019 CHICAGO, IL 60689 | $16K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Contract Administrator Service code 13 | P O BOX 3904 CINCINNATI, OH 45264 | $14K |
| ROY AND ASSOCIATES EIN 87-0429084 NONE | Actuarial Service code 11 | 4505 WASATCH BLVD SALT LAKE CITY, UT 84124 | $12K |
| XEOS EIN 20-0632721 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1238 NORTH 750 WEST SUITE D SPRINGVILLE, UT 84663 | $10K |
| I C SECURITY PRINTERS EIN 87-0396638 NONE | Contract Administrator Service code 13 | 4080 SOUTH 500 WEST SALT LAKE CITY, UT 84117 | $8K |
| MARSH & MCLENNAN COMPANIES EIN 36-2668272 NONE | Insurance agents and brokers Service code 22 | P O BOX 846015 DALLAS, TX 75284 | $6K |
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 | 2,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIMNSA | 70 | $184K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 2,353 | $921K |
| Vision | VISION SERVICE PLAN | 963 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,353 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.