| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $55K | $0 | $55K | 5.08% |
| DPW BENEFITS LLC3 Filed as: DPW BENEFITS, LLC | 5525 SOUTH 900 EAST, SUITE 100 SALT LAKE CITY, UT 84117 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $0 | $3K | $3K | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1340 TREAT BOULEVARD, SUITE 250 WALNUT CREEK, CA 94597 | DELTA DENTAL INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1340 TREAT BOULEVARD, SUITE 250 WALNUT CREEK, CA 94597 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.95% |
| DPW BENEFITS LLC3 Filed as: DPW BENEFITS, LLC | 4001 SOUTH 700 EAST, SUITE 40 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$68 | $0 | -$68 | -0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 740659 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.24% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 267 | $1.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 301 | $92K |
| Vision | VISION SERVICE PLAN | 148 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $55K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $55K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF UTAH | 267 | $1.1M |
| Other(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 267 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.