| 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 | $6K | $96K | $102K | 5.28% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - AZ | 9420 E DOUBLETREE RANCH RD. STE C103 SCOTTSDALE, AZ 85258 | UNITED HEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 1.67% |
| MILLER & WADE INSURANCE AGENCY3 | 3200 W CLUBHOUSE DR STE 225 LEHI, UT 84043 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.16% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C-103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.53% |
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 | 678 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 678 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $48K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $48K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $48K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $48K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.