| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM T LAWRENCE3 Filed as: WILLIAM HERD | 883 BAXTER DR SOUTH JORDAN, UT 84095 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $61K | — | $61K | 2.33% |
| WILLIAM RICHARD HERD3 | 1104 CHARLAIS DR FRUIT HEIGHTS, UT 840373632 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 2.49% |
| MCDERMOTT COMPANY & ASSOCIATES3 Filed as: MCDERMOTT CO AND ASSOCIATES | 883 WEST BAXTER DR SOUTH JORDON, UT 84095 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.37% |
| MCDERMOTT COMPANY & ASSOCIATES3 | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | LIFEMAP ASSURANCE COMPANY | $5K | — | $5K | 8.03% |
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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 459 | $4.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 419 | $275K |
| Vision | REGENCE BLUECROSS BLUESHIELD OF UTAH | 459 | $2.6M |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 998 | $63K |
| Other | LIFEMAP ASSURANCE COMPANY | 998 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 998 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.