| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G&G ASSOCIATES3 | 9176 SOUTH 300 WEST STE # 29 SANDY, UT 84070 | STHEALTH BENEFITS / SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $126K | $148K | 11.02% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC DBA | STEALTH PARTNER GROUP 18940 N. PIMA RD. SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $143K | $65K | $208K | 16.16% |
| 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 | 3.37% |
| RICHARD FLAMM3 Filed as: RICHARD L FLAMM | 1886 E 6200 S OGDEN, UT 84403 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 3.37% |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 232 | $1.3M |
| Dental | DELTA DENTAL OF WYOMING | 223 | $217K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 247 | $171K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | STHEALTH BENEFITS / SUN LIFE ASSURANCE COMPANY OF CANADA | 666 | $2.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 280 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.