| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAGELLAN INC3 Filed as: MAGELLAN INSURANCE | 199 N 290 W STE 200 LINDON, UT 84042 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $16K | $525 | $17K | 5.17% |
| GERSTNER,WILFORD,CLAYTON3 | 199 N 290 W STE 200 LINDON, UT 84042 | AMERITAS LIFE INSURANCE GROUP | $2K | — | $2K | 4.81% |
| PCF INSURANCE SERVICES OF THE WEST3 | 199 N 290 W STE 200 LINDON, UT 84042 | AMERITAS LIFE INSURANCE GROUP | $377 | — | $377 | 1.11% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST | 199 N 290 W STE 200 LINDON, UT 84042 | HARTFORD LIFE AND ACCIDENT | $821 | $509 | $1K | 16.21% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 35 | $324K |
| Dental | AMERITAS LIFE INSURANCE GROUP | 103 | $34K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 103 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 105 | $8K |
| Other | HARTFORD LIFE AND ACCIDENT | 105 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.