| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD FLAMM3 | 1886 E 6200 S OGDEN, UT 84403 | DELTA DENTAL OF WYOMING | $4K | — | $4K | 2.10% |
| RONALD FLAMM3 | 295 E 3625 N N. OGDEN, UT 84414 | DELTA DENTAL OF WYOMING | $4K | — | $4K | 2.10% |
| RONALD FLAMM3 Filed as: RONALD B. FLAMM | 295 EAST 3625 NORTH NORTH OGDEN, UT 84414 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 13.31% |
| RICHARD FLAMM3 Filed as: RICHARD L. FLAMM | 1886 E 6200 S OGDEN, UT 84403 | HARTFORD LIFE AND ACCIDENT | -$12K | — | -$12K | -6.68% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 252 | $174K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 252 | $174K |
| Other | HARTFORD LIFE AND ACCIDENT | 252 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.