| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIG BENEFITS3 | 707 WEST 700 SOUTH SUITE 105 WOODS CROSS, UT 84087 | DENTIST DIRECT, LLC | $4K | $0 | $4K | 6.00% |
| BIG BENEFITS3 Filed as: BIG BENEFITS INC. | 707 W 700 S SUITE 204 WOODS CROSS, UT 84087 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.09% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.36% |
| BIG BENEFITS3 Filed as: BIG BENEFITS INC. | 707 W 700 S SUITE 204 WOODS CROSS, UT 84087 | HARTFORD LIFE AND ACCIDENT | $3K | $57 | $3K | 12.34% |
| BIG BENEFITS3 | 707 WEST 700 SOUTH SUITE 105 WOODS CROSS, UT 84087 | DENTIST DIRECT, LLC | $608 | $0 | $608 | 6.00% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTIST DIRECT, LLC | 102 | $70K |
| Vision | DENTIST DIRECT, LLC | 82 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 406 | $24K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 100 | $240K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 406 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.