| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES INSURANCE SERVICES3 Filed as: KEYES BENEFIT | 5075 S 1500 W RIVERDALE, UT 84405 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $68K | $73K | 2.13% |
| KEYES INSURANCE SERVICES3 Filed as: KEYES INS SERVICES INC | DBA KEYES BENEFITS 5075 S 1500 W RIVERDALE, UT 844053969 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 2.74% |
| KEYES INSURANCE SERVICES3 Filed as: KEYES INS SERVICES INC | DBA KEYES BENEFITS 5075 S 1500 W RIVERDALE, UT 844053969 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.18% |
| KEYES INSURANCE SERVICES3 Filed as: KEYES INS SERVICES INC | DBA KEYES BENEFITS 5075 S 1500 W RIVERDALE, UT 844053969 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.51% |
| KEYES INSURANCE SERVICES3 Filed as: KEYES INS SERVICES INC | DBA KEYES BENEFITS 5075 S 1500 W RIVERDALE, UT 844053969 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.05% |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 813 | $3.5M |
| Dental | STANDARD INSURANCE COMPANY | 307 | $228K |
| Life insurance | STANDARD INSURANCE COMPANY | 384 | $33K |
| Short-term disability | STANDARD INSURANCE COMPANY | 250 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 384 | $78K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 813 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.