| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN K. KNUDSON3 | 6330 SOUTH 3000 EAST SUITE 600 SALT LAKE CITY, UT 84121 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 12.94% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $124 | $4K | 5.71% |
| CORORATE BENEFITS CONSORTIUM3 | 11755 EAST PEAKVIEW AVENUE SUITE 250 ENGLEWOOD, CA 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.47% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM | 11755 EAST PEAKVIEW AVENUE SUITE 250 ENGLEWOOD, CA 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.05% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 4600 SOUTH ULSTER STREET DENVER, CO 80237 | EYEMED VISION CARE | $2K | $0 | $2K | 6.99% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM, LLC | 11755 EAST PEAKVIEW ENGLEWOOD, CO 80111 | EYEMED VISION CARE | $2K | $0 | $2K | 6.03% |
| STEVEN K. KNUDSON3 | 6330 SOUTH 3000 EAST SUITE 600 SALT LAKE CITY, UT 84121 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.16% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 467 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $67K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $148K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $169K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
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.