| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAN-AMERICAN LIFE3 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $10K | $10K | 24.46% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $9K | $9K | 22.01% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 A MAIN STREET SUITE 600 SALT LAKE CITY, UT 84115 | PAN-AMERICAN LIFE INSURANCE COMPANY | $9K | — | $9K | 20.91% |
| LEAVITT GROUP3 Filed as: STARLEY LEAVITT INS AGENCY, INC | 715 SHOSHONE ST N TWIN FALLS, ID 83301 | PAN-AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.14% |
| WILLIAM HAMMETT3 Filed as: WILLIAM C HAMMETT III | 1716 ALPINE MEADOWS LN #1107 PRESCOTT, AZ 86303 | PAN-AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.20% |
| WILLIAM HAMMETT3 Filed as: WILLIAM C HAMMETT III | 6345 GULL STRAND STREET #272 SAN DIEGO, CA 92122 | PAN-AMERICAN LIFE INSURANCE COMPANY | $389 | — | $389 | 0.92% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN ST SOUTH SALT LAKE CITY, UT 84115 | WILLAMETTE DENTAL OF IDAHO, INC. | $2K | — | $2K | 10.00% |
| SHARON COUCH3 Filed as: SHARON K COUCH | 715 SHOSHONE ST N TWIN FALLS, ID 833016155 | UNITED HERITAGE LIFE INSURANCE COMPANY | $210 | — | $210 | 9.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GORDON W BROWN | 2200 S MAIN ST SOUTH SALT LAKE CITY, UT 84115 | UNITED HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.79% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 164 | $42K |
| Dental | WILLAMETTE DENTAL OF IDAHO, INC. | 49 | $23K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 49 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.