| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATUS AGENCY3 | 75 W TOWN RIDGE PKWY STE 440 SANDY, UT 84070 | SELECT HEALTH | $199K | $61K | $260K | 3.95% |
| ISI BENEFITS LLC3 Filed as: ISI BENEFITS/MICHELYN FARNSWORTH | 75 WEST TOWN RIDGE PARKWAY #440 SANDY, UT 84070 | EDUCATORS MUTAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $80K | — | $80K | 4.00% |
| ISI BENEFITS LLC3 | 75 W TOWER RIDGE PARKWAY STE 440 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 15.00% |
| ISI BENEFITS LLC3 | 75 W TOWER RIDGE PARKWAY STE 440 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 15.00% |
| ISI BENEFITS LLC3 | 75 W TOWNE RIDGE PKWY # 440 SANDY, UT 84070 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.96% |
| ISI BENEFITS LLC3 | 75 W TOWER RIDGE PARKWAY STE 440 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.49% |
| ISI BENEFITS LLC3 Filed as: ISI BENEFITS/MICHELYN FRANSWORTH | 75 WEST TOWN RIDGER PARKWAY #440 SANDY, UT 84070 | EDUCATORS MUTAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $147K | — | $147K | — |
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 | 3,438 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SELECT HEALTH | 2,787 | $8.7M |
| Dental | EDUCATORS MUTAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 3,888 | $0 |
| Vision | EDUCATORS MUTAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 3,888 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 868 | $491K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 452 | $326K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 452 | $326K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 868 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,888 | — |
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."
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.