| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | 1530 N LAYTON HILLS PKWY SUITE 101 LAYTON, UT 84041 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $146K | $153K | 6.24% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - AZ | 9420 E DOUBLETREE RANCH RD SUITE C103 SCOTTSDALE, AZ 852585589 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 1.13% |
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | 2745 WEST 600 NORTH SUITE 500 LINDON, UT 94042 | TRANSAMERICA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 12.92% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD C103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.53% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $2.5M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 132 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.