| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 707 W 700 S SUITE 204 WOODS CROSS, UT 840871458 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $105K | $114K | 6.37% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - AZ | 9420 E DOUBLETREE RANCH RD SUITE C103 SCOTTSDALE, AZ 852585589 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 1.64% |
| PCF INSURANCE SERVICES OF THE WEST3 | 90 W 500 S #243 BOUNTIFUL, UT 84010 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 13.14% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD C103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.57% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 533 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 533 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 533 | $1.8M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 149 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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 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.