| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G&G ASSOCIATES3 | 9176 S 300 W SUITE 29 SANDY, UT 84070 | SYMETRA | $0 | $90K | $90K | 2.22% |
| RICHARD FLAMM3 | 1886 E 6200 S OGDEN, UT 84403 | DELTA DENTAL OF WYOMING | $5K | — | $5K | 2.50% |
| RONALD FLAMM3 | 295 E 3625 N N. OGDEN, UT 84414 | DELTA DENTAL OF WYOMING | $5K | — | $5K | 2.50% |
| RONALD FLAMM3 Filed as: RONALD B FLAMM | 295 EAST 3625 NORTH NORTH OGDEN, UT 84414 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 3.21% |
| RICHARD FLAMM3 Filed as: RICHARD L FLAMM | 1886 E 6200 S OGDEN, UT 84403 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 3.21% |
| BRENT R FLAMM3 | 3626 SUNSET CIRCLE MORGAN, UT 84050 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON DELAWARE, INC. BROKER | Claims processing Service code 12 | 201 E. 5TH STREET SUITE 1250 CINCINATI, OH 45202 | $0 |
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 | 272 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WYOMING | 244 | $204K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 258 | $183K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 323 | $4.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 294 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.