| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 WEST 600 NORTH STE 500 LINDON, UT 84042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | $0 | $42K | 12.75% |
| BIG BENEFITS3 | 75 SOUTH 500 WEST BOUNTIFUL, UT 84010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 7.89% |
| BIG BENEFITS3 | 75 SOUTH 500 WEST BOUNTIFUL, UT 84010 | DENTIST DIRECT, LLC | $10K | $0 | $10K | 10.00% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SRVCS OF THE WEST LLC | 707 W 700 S STE 204 WOODS CROSS, UT 84047 | LIFEMAP ASSURANCE COMPANY | $8K | $0 | $8K | 12.41% |
| BIG BENEFITS3 Filed as: BIG BENEFITS, INC | 707 W 700 S STE 204 WOODS CROSS, UT 84047 | TRANSAMERICA INSURANCE CO. | $5K | $0 | $5K | 24.45% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $0 | $3K | $3K | 14.12% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $0 | $3K | $3K | 12.99% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS | 9240 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | TRANSAMERICA INSURANCE CO. | $2K | $0 | $2K | 11.41% |
| BIG BENEFITS3 | 75 SOUTH 500 WEST BOUNTIFUL, UT 84010 | DENTIST DIRECT, LLC | $1K | $0 | $1K | 10.00% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 217 | $345K |
| Dental | DENTIST DIRECT, LLC | 150 | $95K |
| Vision | DENTIST DIRECT, LLC | 150 | $12K |
| Life insurance(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 184 | $84K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 184 | $65K |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 184 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
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.