| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JARVIS J JONES3 | 913 W BAXTER DR 2ND FLOOR SOUTH JORDAN, UT 84095 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | $43K | — | $43K | 4.73% |
| JARVIS J JONES3 | 375 S 300 W SALT LAKE CITY, UT 84101 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 25.24% |
| JARVIS J JONES3 | 375 S 300 W SALT LAKE CITY, UT 84101 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.66% |
| JARVIS J JONES3 | 375 S 300 W SALT LAKE CITY, UT 84101 | STANDARD INSURANCE COMPANY | $917 | — | $917 | 5.89% |
| JARVIS J JONES3 | 375 S 300 W SALT LAKE CITY, UT 84101 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.98% |
| JARVIS J JONES3 | 375 S 300 W SALT LAKE CITY, UT 84101 | STANDARD INSURANCE COMPANY | $895 | — | $895 | 11.24% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 197 | $913K |
| Dental | STANDARD INSURANCE COMPANY | 78 | $79K |
| Vision | STANDARD INSURANCE COMPANY | 77 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 183 | $55K |
| Short-term disability | STANDARD INSURANCE COMPANY | 30 | $8K |
| Long-term disability | STANDARD INSURANCE COMPANY | 32 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.