| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI BENEFITS LLC3 Filed as: ISI BENEFITS / MICHELYN FARNSWORTH | 75 WEST TOWNE RIDGE PARKWAY #440 SANDY, UT 84070 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $438K | — | $438K | 3.76% |
| ISI BENEFITS LLC3 | 75 W TOWER RIDGE PARKWAY STE 440 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 14.83% |
| ISI BENEFITS LLC3 | 75 W TOWER RIDGE PARKWAY STE 440 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 16.20% |
| ISI BENEFITS LLC3 | 75 W TOWER RIDGE PARKWAY STE 440 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.97% |
| ISI BENEFITS LLC3 | 75 W TOWER RIDGE PARKWAY STE 440 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $625 | — | $625 | 10.00% |
| ISI BENEFITS LLC3 | 75 W TOWER RIDGE PARKWAY STE 440 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 39.46% |
| ISI BENEFITS LLC3 | 75 W TOWER RIDGE PARKWAY STE 440 SANDY, UT 84070 | FIRST UNUM LIFE INSURANCE COMPANY | $224 | — | $224 | 14.99% |
| ISI BENEFITS LLC3 Filed as: ISI BENEFITS | MICHELYN FARNSWORTH PO BOX 95330 SOUTH JORDAN, UT 84095 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $88K | — | $88K | — |
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 | 1,390 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 2,879 | $11.7M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 3,902 | $0 |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 3,278 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,137 | $462K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,137 | $288K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,137 | $281K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,137 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,137 | — |
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.