| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED Filed as: NOT PROVICED | — | AMERICA'S TPA, LLC DBA HEALTHEZ | $27K | — | $27K | 12.31% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 NORTH 400 E BLDG C-102 ST GEORGE, UT 84770 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | -$1K | $6K | 5.75% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 NORTH 400 E BLDG C-102 ST GEORGE, UT 84770 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | -$817 | $3K | 9.63% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 NORTH 400 E BLDG C-102 ST GEORGE, UT 84770 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | -$361 | $3K | 13.45% |
| LEAVITT GROUP Filed as: DIXIE LEAVITT AGENCY | PO BOX 1744 CEDAR CITY, UT 847211744 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.37% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 NORTH 400 E BLDG C-102 ST GEORGE, UT 84770 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | -$299 | $2K | 12.53% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 NORTH 400 E BLDG C-102 ST GEORGE, UT 84770 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $586 | -$112 | $474 | 11.05% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICA'S TPA, LLC DBA HEALTHEZ | 76 | $218K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $101K |
| Vision | VISION SERVICE PLAN | 108 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $31K |
| Prescription drug | AMERICA'S TPA, LLC DBA HEALTHEZ | 76 | $218K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
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.