| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE DBA MCCORMACK | INSURANCE 5200 SOUTH HIGHLAND DRIVE, STE 200 SALT LAKE CITY, UT 84117 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $2K | — | $2K | 6.94% |
| PCF INSURANCE SERVICES OF THE WEST3 | LLC DBA MCCORMACK 5200 S HIGHLAND DR STE 200 HOLLADAY, UT 841177003 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.52% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST LLC | DBA RBI BENEFITS INSURANCE 90 W 500 S PMB 243 BOUNTIFUL, UT 840106230 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.37% |
| PARAGON PARTNERS LTD3 | STE C-103 9420 E DOUBLETREE RANCH R SCOTTSDALE, AZ 852585589 | PRINCIPAL LIFE INSURANCE COMPANY | $829 | — | $829 | 3.55% |
| PCF INSURANCE SERVICES OF THE WEST3 | LLC 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 840433856 | PRINCIPAL LIFE INSURANCE COMPANY | $632 | — | $632 | 2.71% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE DBA MCCORMACK | INSURANCE 5200 SOUTH HIGHLAND DRIVE, STE 200 SALT LAKE CITY, UT 84117 | VISION SERVICE PLAN | $1K | — | $1K | 6.94% |
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 | 503 | 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) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 176 | $35K |
| Vision | VISION SERVICE PLAN | 132 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 503 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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."
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.