| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRSTWEST BENEFIT SOLUTIONS3 | 1139 S OREM BLVD OREM, UT 84058 | SELECTHEALTH | $38K | $13K | $50K | 2.77% |
| FIRSTWEST BENEFIT SOLUTIONS3 | 1139 S OREM BLVD OREM, UT 84058 | SELECTHEALTH | $3K | $1K | $4K | 2.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES US INC | 3900 N TRAVERSE MOUNTAIN BLVD STE 301 LEHI, UT 840434984 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $13K | 13.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE. 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $839 | — | $839 | 0.88% |
| ANGIE HANSEN3 Filed as: ANGIE LUND | 8741 SOUTH MILLRACE BEND ROAD WEST JORDAN, UT 84088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 3.44% |
| MDT GROUP LLC3 | 4588 GREENBROOK COURT TAYLORSVILLE, UT 84123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $4 | $152 | 2.09% |
| TRENT LYNN SMITH3 | 3005 W WILLOW REED LEHI, UT 84043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.39% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 556 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $95K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $95K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $95K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
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.