| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLER & ASSOCIATES INS AGENCY3 | 566 W 800 N STE 203 OREM, UT 840573746 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 5.76% |
| PARAGON PARTNERS LTD3 | STE C-103 9420 E DOUBLETREE RANCH RD SCOTTSDALE, AZ 852585589 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 4.06% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST | PO BOX 171223 SALT LAKE CITY, UT 841171223 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.30% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: NATIONAL PCF BONUS ONLY | 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 840433858 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.08% |
| PARAGON PARTNERS LTD3 | STE C-103 9420 E DOUBLETREE RANCH RD SCOTTSDALE, AZ 852585589 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.91% |
| TRUCORDIA INSURANCESERVICES LLC3 | 2745 W 600 N SUITE 500 LINDON, UT 84042 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.67% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | STE C-103 9420 E DOUBLETREE RANCH RD SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.69% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 188 | $44K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 20 | $248K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 20 | $248K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 20 | $248K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 20 | $248K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 20 | $248K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 20 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
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.