| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDERMOTT COMPANY & ASSOCIATES3 | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | SELECTHEALTH | $38K | $19K | $56K | 3.00% |
| MCDERMOTT COMPANY & ASSOCIATES3 | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.08% |
| MCDERMOTT COMPANY & ASSOCIATES3 | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 11.51% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM INSURANACE SPECIALISTS INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $736 | $14 | $750 | 4.35% |
| LUKE A ROCKWELL3 Filed as: LUKE MCDERMOTT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | — | $461 | 2.67% |
| JILL HUGHES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $4 | $256 | 1.48% |
| PATTI A VINCENT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.50% |
| DESIREE ROBERTSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.30% |
| VOLUNTARY SOLUTIONS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 339 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $133K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $133K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $123K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $106K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $106K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.