| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIG BENEFITS3 | 75 SOUTH 500 WEST BOUNTIFUL, UT 84010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $0 | $52K | 19.87% |
| BIG BENEFITS3 | 75 SOUTH 500 WEST BOUNTIFUL, UT 84010 | DENTIST DIRECT, LLC | $8K | $0 | $8K | 10.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 W 600 N LINDON, UT 84042 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 21.00% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD C103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.00% |
| BIG BENEFITS3 Filed as: BIG BENEFITS, INC | 707 W 700 S STE 204 WOODS CROSS, UT 84047 | LIFEMAP ASSURANCE COMPANY | $2K | $0 | $2K | 12.39% |
| BIG BENEFITS3 | 75 SOUTH 500 WEST BOUNTIFUL, UT 84010 | DENTIST DIRECT, LLC | $17 | $0 | $17 | 9.71% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $260K |
| Dental | DENTIST DIRECT, LLC | 118 | $80K |
| Vision | DENTIST DIRECT, LLC | 118 | $175 |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 168 | $46K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 168 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.