| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY GATES3 | 257 EAST 200 SOUTH, 7TH FLOOR SALT LAKE CITY, UT 84111 | UNITED HERITAGE LIFE INSURANCE COMPANY | $32K | $0 | $32K | 9.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KEVIN L. BROWN | 1250 SOUTH CAPITAL OF TEXAS AUSTIN, TX 78746 | UNITED HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.32% |
| KELLY GATES3 | 257 EAST 200, 7TH FLOOR SALT LAKE CITY, UT 84111 | UNITED HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.50% |
| HAYS COMPANIES, INC.3 | 201 SOUTH MAIN STREET, SUITE 2100 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 6.79% |
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 | 694 | 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) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF IDAHO, INC. | 188 | $70K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 861 | $56K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 398 | $348K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 398 | $348K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 398 | $348K |
| Other(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 694 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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.