| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTURA PARTNERS LLC3 | 11576 S. STATE ST STE. 1202A DRAPER, UT 84020 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $106K | $108K | 5.61% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - AZ | 9420 E DOUBLETREE RANCH RD. STE C103 SCOTTSDALE, AZ 85258 | UNITED HEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 2.01% |
| ALTURA PARTNERS LLC3 | 11639 S 700 S STE 100 DRAPER, UT 84020 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.77% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C-103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 5.01% |
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 | 549 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 549 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 560 | $148K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 560 | $148K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 560 | $148K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 560 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.