| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLE PERFORMANCE LLC3 | 80 N 100 E PROVO, UT 84604 | SUMMIT RE | $40K | — | $40K | 29.41% |
| PEOPLE PERFORMANCE LLC3 | 80 N 100 E PROVO, UT 84604 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 2.50% |
| PERRY FINANCIAL GROUP DBA PFG INS3 | 782 EAST 12400 SOUTH DRAPER, UT 84020 | HARTFORD LIFE AND ACCIDENT | $8 | — | $8 | 0.01% |
| MILLER & WADE INSURANCE AGENCY3 Filed as: MILLER & WADE GROUP INC | 782 E PIONEER RD DRAPER, UT 84020 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $14K | — | $14K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CNIC HEALTH SOLUTIONS, INC EIN 71-0873411 | Contract Administrator Service code 13 | P O BOX 76150 COLORADO SPRINGS, CO 80970 | $133K |
| PEOPLE PERFORMANCE, LLC EIN 27-3019686 | Other services Service code 49 | 80 NORTH 100 EAST PROVO, UT 84604 | $80K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 | Other services Service code 49 | — | $10K |
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 | 400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUMMIT RE | 398 | $135K |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 336 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 180 | $119K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 180 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.