| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST Filed as: PCF ENCORE BENEFITS/GARY LEE FISCHE | 5300 S ADAMS AVE SUITE 11 OGDEN, UT 84401 | EDUCATOR MUTUAL LIFE, ACCIDENT AND HEALTH, INC | $143K | — | $143K | 4.00% |
| PCF INSURANCE SERVICES OF THE WEST Filed as: PCF ENCORE BENEFITS/GARY LEE FISCHE | 5300 S ADAMS AVE SUITE 11 OGDEN, UT 84405 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $11K | — | $11K | 5.00% |
| PCF INSURANCE SERVICES OF THE WEST Filed as: PCF ENCORE BENEFITS/GARY LEE FISCHE | 5300 S ADAMS AVE SUITE 11 OGDEN, UT 84405 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| PCF INSURANCE SERVICES OF THE WEST Filed as: PCF ENCORE BENEFITS/GARY LEE FISCHE | 5300 S ADAMS AVE SUITE 11 OGDEN, UT 84405 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | — | — | $0 | — |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATOR MUTUAL LIFE, ACCIDENT AND HEALTH, INC | 517 | $3.6M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 584 | $215K |
| Vision | VISION SERVICE PLAN | 513 | $45K |
| Other | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 25 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.