| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARNSWORTH, MICHELYN M3 | 75 W TOWN RIDGE PKWY STE 440 SANDY, UT 84070 | SELECT HEALTH | $384K | $96K | $480K | 5.00% |
| FARNSWORTH, MICHELYN M3 | 75 W TOWNE RIDGE PKWY STE 440 SANDY, UT 84070 | SELECTHEALTH | $210K | $10K | $220K | 4.19% |
| ISI BENEFITS LLC3 | 75 W TOWNE RIDGE PKWY #440 SANDY, UT 84070 | METROPOLITAN LIFE INSURANCE COMPANY | $147K | — | $147K | 14.70% |
| ISI BENEFITS LLC3 | 75 W TOWNE RIDGE PKWY #440 SANDY, UT 84070 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 19.39% |
| ISI BENEFITS LLC3 | 75 W TOWNE RIDGE PKWY # 440 SANDY, UT 84070 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 21.84% |
| ISI BENEFITS LLC3 Filed as: ISI BENEFTIS | 75 W TOWNE RIDGE PKWY#440 SANDY, UT 84070 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 COMPENSATION | Claims processing; Contract Administrator Service code 12 | — | $141K |
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 | 3,738 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | SELECT HEALTH | 2,765 | $15.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,715 | $1.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,715 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,715 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,715 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,715 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,715 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,765 | — |
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.