| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN BENEFITS GROUP3 | 10542 S. JORDAN GATEWAY # 100 SOUTH JORDAN, UT 84095 | SELECT HEALTH | $34K | $11K | $45K | 3.81% |
| PATRICIA ADAMS3 | 1338 FOOTHILL DR. # 336 SLC, UT 84108 | UNUM | $4K | — | $4K | 5.45% |
| DAVIS PACIFIC BENEFITS3 | 4001 S. 700 E. # 40 SLC, UT 84107 | UNUM | $948 | — | $948 | 1.38% |
| NIELSEN BENEFITS GROUP3 | 10542 S. JORDAN GATEWAY # 300 SOUTH JORDAN, UT 84095 | DENTAL MANAGEMENT ADMINISTRATORS | $184 | — | $184 | 2.28% |
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 | 449 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 449 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.