| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN BENEFITS GROUP3 | 8899 S. 700 E. # 155 SANDY, UT 84070 | SELECT HEALTH | $36K | $12K | $48K | 3.31% |
| DAVIS PACIFIC BENEFITS3 Filed as: DAVIS PACIFIC BENEFTIS | 5525 S. 900 E. # 100 SLC, UT 84117 | UNUM | $6K | — | $6K | 8.12% |
| NIELSEN BENEFITS GROUP3 | 8899 S. 700 E. # 155 SANDY, UT 84070 | DENTAL MANAGEMENT ADMINISTRATORS | $167 | — | $167 | 1.98% |
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 | 478 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 478 | $1.5M |
| Dental | DENTAL MANAGEMENT ADMINISTRATORS | 180 | $8K |
| Life insurance | UNUM | 209 | $79K |
| Long-term disability | UNUM | 209 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.