| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SRVCS OF THE WEST LLC | 707 W 700 S STE 204 WOODS CROSS, UT 84047 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $41K | $41K | 5.20% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 1.60% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SRVCS OF THE WEST LLC | 21300 VICTORY BLVD #700 WOODLAND HILLS, CA 91367 | DENTIST DIRECT, LLC | $3K | $0 | $3K | 6.00% |
| BIG BENEFITS3 | 700 W 700 S WOODS CROSS, UT 84087 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 22.56% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 14.41% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.53% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 50 WHITECAP DRIVE IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.88% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST, LLC | 707 W 700 S SUITE 204 WOODS CROSS, UT 84087 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 15.00% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 80 | $826K |
| Dental | DENTIST DIRECT, LLC | 74 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 188 | $15K |
| Other | HARTFORD LIFE AND ACCIDENT | 188 | $15K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.