| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIG BENEFITS3 | 75 SOUTH 500 WEST BOUNTIFUL, UT 84010 | DENTIST DIRECT, LLC | $4K | $180 | $4K | 6.30% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST | 707 W 700 S SUITE 204 WOODS CROSS, UT 84087 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 12.00% |
| BIG BENEFITS3 | 707 W 700 S SUITE 204 WOODS CROSS, UT 84087 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 22.56% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.53% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 9.26% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 8.04% |
| BIG BENEFITS3 | 75 SOUTH 500 WEST BOUNTIFUL, UT 84010 | DENTIST DIRECT, LLC | $746 | $0 | $746 | 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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTIST DIRECT, LLC | 114 | $60K |
| Vision | DENTIST DIRECT, LLC | 114 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 269 | $27K |
| Stop-loss / reinsurancereinsurance | BENCHMARK INSURANCE COMPANY | 108 | $245K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 269 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.