| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUCKNER COMPANY3 | 6550 SOUTH MILLROCK DRIVE SUITE 300 SALT LAKE CITY, UT 84121 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $70K | $1K | $71K | 5.07% |
| THE BUCKNER COMPANY3 Filed as: BUCKNER GROUP | 6550 S MILLROCK DRIVE SUITE 300 SALT LAKE CITY, UT 84121 | DENTIST DIRECT LLC | $4K | — | $4K | 4.00% |
| THE BUCKNER COMPANY3 Filed as: THE BUCKNER COMPANY INC | 2225 WASHINGTON BLVD SUITE 210 OGDEN, UT 84401 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 9.98% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 90 | $1.4M |
| Dental | DENTIST DIRECT LLC | 98 | $93K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 145 | $68K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 145 | $68K |
| Other | HARTFORD LIFE AND ACCIDENT | 145 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.