| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 N 400 E BLDG C 102 CEDAR CITY, UT 84720 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 5.03% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 N 400 E BLDG C 102 ST GEORGE, UT 84770 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $66 | $3K | 6.38% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 N 400 ST GEORGE, UT 84770 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $61 | $5K | 14.39% |
| GCG FINANCIAL LLC3 Filed as: BANASKY ALERA INSURANCE AGENCY | 393 W GORDON AVE STE 1 LAYTON, UT 84041 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $266 | — | $266 | 0.79% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 N 400 E BLDG C 102 ST GEORGE, UT 84770 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $28 | $2K | 10.17% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 NORTH 400 E BLDG C 102 ST GEORGE, UT 84770 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $40 | $3K | 14.35% |
| GCG FINANCIAL LLC3 Filed as: BANASKY ALERA INSURANCE AGENCY | 393 W GORDAN AVE STE 1 LAYTON, UT 84041 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $158 | — | $158 | 0.88% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 271 | $112K |
| Vision | VISION SER | 97 | $30K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $37K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $47K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.