| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE DBA MCCORMACK | INSURANCE 2745 W 600 N, STE 500 LINDON, UT 84042 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $944 | — | $944 | 6.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | DBA MCCORMACK INSURANCE PO BOX 171223 SALT LAKE CITY, UT 841171223 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 18.77% |
| PARAGON PARTNERS LTD3 | STE C-103 9420 E DOUBLETREE RANCH RD SCOTTSDALE, AZ 852585589 | PRINCIPAL LIFE INSURANCE COMPANY | — | $534 | $534 | 5.01% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: NATIONAL PCF BONUS ONLY | 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 840433858 | PRINCIPAL LIFE INSURANCE COMPANY | — | $439 | $439 | 4.12% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE DBA MCCORMACK | INSURANCE 2745 W 600 N, STE 500 LINDON, UT 84042 | VISION SERVICE PLAN | $477 | — | $477 | 7.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 75 | $16K |
| Vision | VISION SERVICE PLAN | 57 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 550 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.