| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAIG STAHELI3 | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | HSA HEALTH INSURANCE CO | $32K | $0 | $32K | 4.26% |
| MORETON & COMPANY3 Filed as: FRED A MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | AMERITAS LIFE INSURANCE CORPORATION | $10K | $0 | $10K | 10.00% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 8.29% |
| KAREN HARMER3 | 2581 E GOLDEN EYE DR. SANDY, UT 84093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 15.95% |
| KAREN HARMER3 | PO BOX 829 SANDY, UT 84091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 9.14% |
| MAURICIO R PLATT3 | 11839 STEPHENVILLE DRIVE FRISCO, TX 75035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | $0 | $208 | 1.39% |
| CLINT WEIGHT3 | 745 S 180 WEST SALEM, UT 84653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | $0 | $141 | 0.94% |
| MARC MICKELSEN3 | 1324 S 1900 E SALT LAKE CITY, UT 84108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.62% |
| PAMELA BAKALY3 | 1041 14TH ST HERMOSA BEACH, CA 90254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.47% |
| JERRY HOKE3 | 517 E 3270 LEHI, UT 84043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.30% |
| TIM CRAIG3 | 11829 S PINNACLE ACRE CT RIVERTON, UT 84065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.24% |
| DAMON STREETMAN3 | 5894 WILDFLOWER CT HIGHLAND, UT 84003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.23% |
| J MERRITT MCDOLE3 | 12120 SW FOOTHILL DR PORTLAND, OR 97225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.15% |
| NEENA W BEVERLY3 Filed as: NEENA BEVERLY | 1888 E 6400 S HOLLADAY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.08% |
| GBS BENEFITS INC3 | 465 S. 400 STE 300 SALT LAKE CITY, UT 84111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.07% |
| BARRY BEVERLY3 | 1888 E 6400 S HOLLADAY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| MIKE LUNDQUIST3 | 8889 S SIVERST ONE WAY SANDY, UT 84093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | 2961 W MAPLE LOOP RD STE 230 LEHI, UT 84043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| BRENT W THOMPSON3 Filed as: BRENT THOMPSON | 435 E 1070 S OREM, UT 84097 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 257 | $104K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 257 | $104K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $27K |
| Prescription drug | HSA HEALTH INSURANCE CO | 420 | $755K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.
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.