| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDERMOTT COMPANY & ASSOCIATES3 Filed as: MCDERMOTT COMPANY & ASSOC | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | SELECTHEALTH | $75K | $37K | $112K | 3.00% |
| MCDERMOTT COMPANY & ASSOCIATES3 Filed as: MCDERMOTT COMPANY & ASSOC | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.68% |
| MCDERMOTT COMPANY & ASSOCIATES3 Filed as: MCDERMOTT COMPANY & ASSOC | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 9.02% |
| CUSTOM INSURANCE SPECIALISTS INC3 | 886 E 3200 N KAMAS, UT 74118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $194 | $4K | 15.92% |
| LUKE A ROCKWELL3 Filed as: LUKE MCDERMOTT | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.38% |
| JILL HUGHES3 | 6510 S TAMRA DR TAYLORSVILLE, UT 84129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $950 | $88 | $1K | 3.70% |
| DESIREE ROBERTSON3 | 5691 S STONE BLUFF WAY SALT LAKE CITY, UT 84118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $556 | — | $556 | 1.98% |
| ANGIE HANSEN3 | 12701 S TUSCAN SPRINGS LN UNIT RIVERTON, UT 84065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.12% |
| PATTI A VINCENT3 | 3489 W 10305 S SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| LISA B NIELSEN3 | PO BOX 703 VERNAL, UT 84078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 551 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 699 | $225K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 699 | $225K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $248K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $220K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.