| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLINT WADSWORTH3 | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | HSA HEALTH INSURANCE CO. | $141K | — | $141K | 5.96% |
| KIRK BENSON3 | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | HSA HEALTH INSURANCE CO. | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE UT INC | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | DENTIST DIRECT, LLC | $9K | — | $9K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE UT | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $14K | 24.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT, INC | 3900 N TRAVERSE MOUNTAIN BLVD STE 301 LEHI, UT 84043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT, INC | 3900 N TRAVERSE MOUNTAIN BLVD STE 301 LEHI, UT 84043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $115 | $14K | 64.64% |
| RYAN H BECK | 756 WINCHESTER BLVD MURRAY, UT 84107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $144 | — | $144 | 0.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE UT, INC | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | DENTIST DIRECT, LLC | $662 | — | $662 | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $453 | $3K | 24.11% |
| ANGIE HANSEN3 | 8741 SOUTH MILLRACE BEND ROAD WEST JORDAN, UT 84088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | — | $267 | 6.19% |
| MDT GROUP LLC3 | 4588 GREENBROOK COURT TAYLORSVILLE, UT 84123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 1.79% |
| CUSTOM INSURANCE SPECIALISTS INC3 | 886 E 3200 N KAMAS, UT 84036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.14% |
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 | 689 | 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) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DENTIST DIRECT, LLC | 191 | $237K |
| Vision | DENTIST DIRECT, LLC | 191 | $17K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 810 | $62K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 201 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 201 | $35K |
| Prescription drug | HSA HEALTH INSURANCE CO. | 689 | $2.4M |
| Stop-loss / reinsurancereinsurance | HSA HEALTH INSURANCE CO. | 689 | $2.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.