| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES | PO BOX 30430 SALT LAKE CITY, UT 841300430 | SELECTHEALTH | $1.5M | $4K | $1.5M | 7.65% |
| AFS INSURANCE SERVICES INC.3 | 1850 W 2100 S SALT LAKE CITY, UT 84119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $128K | — | $128K | 13.24% |
| AFS INSURANCE SERVICES INC.3 | 1850 W 2100 SOUTH SALT LAKE CITY, UT 84130 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $773 | — | $773 | 15.01% |
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 | 5,123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 5,443 | $19.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,453 | $968K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,453 | $968K |
| Prescription drug | SELECTHEALTH | 5,443 | $19.3M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,122 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,443 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.