| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELISABETH SMITH Filed as: ELISABETH L SMITH | P O BOX 902320 SANDY, UT 84090 | THE HARTFORD | $25K | — | $25K | — |
| ELISABETH SMITH Filed as: ELISABETH L SMITH | P O BOX 902320 SANDY, UT 84090 | EYEMED VISION CARE | $6K | — | $6K | — |
| JOHNSON RESOURCES | 10801 E. HAPPY VALLEY ROAD UNIT 78 SCOTTSDALE, AZ 85255 | EYEMED VISION CARE | $3K | — | $3K | — |
| DIRECT CARE ADMINISTRATORS | P O BOX 3000 BOUNTIFUL, UT 84011 | DIRECT CARE ADMINISTRATORS | — | $134K | $134K | — |
| NATIONAL CONSULTING | P O BOX 902320 SANDY, UT 84090 | DIRECT CARE ADMINISTRATORS | $90K | — | $90K | — |
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 | 865 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DIRECT CARE ADMINISTRATORS | 452 | $0 |
| Dental | DIRECT CARE ADMINISTRATORS | 452 | $0 |
| Vision | EYEMED VISION CARE | 865 | $0 |
| Life insurance | THE HARTFORD | 740 | $0 |
| Short-term disability | THE HARTFORD | 740 | $0 |
| Long-term disability | THE HARTFORD | 740 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865 | — |
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."
No prospect flags tripped on this filing.