| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGAGE INSURANCE3 Filed as: ENGAGE INS LLC | 4211 W BOY SCOUT BLVD SUITE 500 TAMPA, FL 33607 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $70K | — | $70K | 2.34% |
| GDA ZHR LLC3 | 384 S 400 W STE LINDON, UT 84042 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $14K | $5K | $18K | 0.62% |
| ENGAGE INSURANCE3 Filed as: ENGAGE INSURANCE LLC | 4211 W BOY SCOUT BLVD SUITE 500 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 3.77% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | — | $21K | $21K | 3.59% |
| GDA ZHR LLC3 Filed as: GDA ZHR LLC DBA ZAMP HR | 384 S 400 W STE 120 LINDON, UT 84042 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.82% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 215 | $3.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $594K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $594K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $594K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $594K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.