| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILES FINANCIAL GROUP3 | 6416 W 4425 S HOOPER, UT 84315 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $697 | — | $697 | 6.60% |
| GBS BENEFITS INC3 | STE 600 2200 S MAIN ST SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $492 | $86 | $578 | 5.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVS INC | STE 400S 12404 PARK CENTRAL DR DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $349 | — | $349 | 3.31% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IOA RE, LLC | 311 | $471K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $11K |
| Stop-loss / reinsurancereinsurance | IOA RE, LLC | 311 | $471K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.