| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | 199 N 290 W STE 200 LINDON, UT 84042 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 13.57% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 5.20% |
| PLANSIGHT, INC.3 Filed as: PLANSIGHT, INC | 2500 EXECUTIVE PKWY STE 140 LEHI, UT 84043 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.57% |
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | 213 CONRAD ST NEW ORLEANS, LA 70124 | HARTFORD LIFE AND ACCIDENT | $0 | $193 | $193 | 0.26% |
| PCF INSURANCE SERVICES OF THE WEST3 | 333 W 2230 N STE 310 PROVO, UT 84604 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 15.41% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $226 | $1K | 5.64% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 242 | $290K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 55 | $73K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 55 | $73K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 242 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.