| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SRVCS OF THE WEST LLC | 2745 WEST 600 NORTH STE 500 LINDON, UT 84042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $111K | $0 | $111K | 15.68% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES | 1530 N LAYTON HILLS PKWY STE 101 LAYTON, UT 84087 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 9.24% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SRVCS OF THE WEST LLC | 7150 SW HAMPTON STE 140 TIGARD, OR 97223 | USABLE LIFE | $15K | $0 | $15K | 9.68% |
| PFC INSURANCE SERVICES OF THE WEST3 | DBA BIG BENEFITS INC. 707 W 700 S, STE 204 WOODS CROSS, UT 84047 | TRANSAMERICA INSURANCE CO. | $8K | $0 | $8K | 22.56% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $0 | $5K | $5K | 12.11% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS | 9240 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | TRANSAMERICA INSURANCE CO. | $4K | $0 | $4K | 10.53% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $0 | $2K | $2K | 5.19% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | 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 | 319 | $742K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 255 | $206K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 255 | $206K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 348 | $197K |
| Long-term disability | USABLE LIFE | 348 | $160K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 348 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.