| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT3 | — | AIG BENEFIT SOLUTIONS | $0 | $20K | $20K | 30.00% |
| VIRIGINA KEZELE3 | 15007 W PINCHOT AVE GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | — | $223 | 0.55% |
| WILLIAM KEZELE3 | PO BOX 5597 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.51% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.28% |
| D TODD WADE3 | 6967 S RIVER GATE DR #200 SALT LAKE CITY, UT 84047 | UNITED HERITAGE LIFE INS CO | $2K | — | $2K | 15.00% |
| THE PRESIDIO GROUP3 Filed as: PRESIDIO GROUP | 5295 COMMERCE DR STE 550 SALT LAKE CITY, UT 84107 | UNITED HERITAGE LIFE INS CO | $1K | — | $1K | 15.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 140 | $17K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 178 | $45K |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 184 | $68K |
| Other(2 contracts) | UNITED HERITAGE LIFE INS CO | 66 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.