| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UTAH, INC. | 3900 N. TRAVERSE MOUNTAIN BOULEVARD SUITE 3 LEHI, UT 84043 | SELECTHEALTH | $37K | $12K | $49K | 3.79% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | SELECTHEALTH | $3K | $1K | $5K | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UTAH, INC. | 3900 TRAVERSEE MOUNTAIN BOULEVARD I SUITE 301 LEHI, UT 84043 | STANDARD INSURANCE COMPANY | $2K | $377 | $3K | 5.34% |
| ZENITH MARKETING GROUP LLC3 | 303 WEST MAIN STREET, SUITE 200 FREEHOLD, NJ 07728 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURNCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 1.99% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $412 | $0 | $412 | 0.77% |
| LYLE G. SWENSON3 | 1139 SOUTH OREM BOULEVARD OREM, UT 84058 | STANDARD INSURANCE COMPANY | $403 | $0 | $403 | 0.76% |
| FIRSTWEST BROKERAGE SERVICES3 | 3900 NORTH TRVR MOUNTAIN BOULEVARD SUITE 301 LEHI, UT 84043 | VISION SERVICE PLAN | $867 | $0 | $867 | 6.53% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 337 | $1.3M |
| Dental | SELECTHEALTH | 337 | $1.3M |
| Vision | VISION SERVICE PLAN | 54 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 127 | $53K |
| Short-term disability | STANDARD INSURANCE COMPANY | 127 | $53K |
| Long-term disability | STANDARD INSURANCE COMPANY | 127 | $53K |
| Prescription drug | SELECTHEALTH | 337 | $1.3M |
| Other | STANDARD INSURANCE COMPANY | 127 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.