| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TALL TREE ADMINISTRATORS3 Filed as: TALL TRE ADMINISTRATORS | 11550 SOUTH 700 EAST SUITE 200 DRAPER, UT 84020 | AMERICAN FIDELITY | $90K | — | $90K | 26.72% |
| SUSAN BLACK3 | FINANCIAL CONCEPTS OF AMERICA PO BOX 17226 SALT LAKE CITY, UT 84117 | AMERICAN FIDELITY | — | $90K | $90K | 26.72% |
| MCDERMOTT COMPANY & ASSOCIATES3 Filed as: MCDERMOTT COMPANY & ASSOC | 883 WEST BAXTER DR SOUTH JORDAN, UT 84095 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 12.14% |
| FINANCIAL CONCEPTS OF AMERICA, INC.3 Filed as: FINANCIAL CONCEPTS OF AMERICA | 5253 HILLSDEN DR SALT LAKE CITY, UT 84117 | ORRIANT LLC | $1K | — | $1K | 3.33% |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ORRIANT LLC | 214 | $34K |
| Dental | AMERICAN FIDELITY | 184 | $336K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 270 | $67K |
| Stop-loss / reinsurancereinsurance | ORRIANT LLC | 214 | $34K |
| Other | HARTFORD LIFE AND ACCIDENT | 270 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.