| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDERMOTT COMPANY & ASSOCIATES3 | 833 WEST BAXTER DR SOUTH JORDAN, UT 84095 | SELECTHEALTH | $46K | $23K | $69K | 3.00% |
| MCDERMOTT COMPANY & ASSOCIATES3 | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.87% |
| MCDERMOTT COMPANY & ASSOCIATES3 | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.51% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $122 | $2K | 8.76% |
| JILL HUGHES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $142 | $1K | 4.68% |
| LUKE A ROCKWELL3 Filed as: LUKE MCDERMOTT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | — | $549 | 2.24% |
| LISA B NIELSEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.76% |
| PATTI A VINCENT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.35% |
| SHERRIEM HOPKINS INS AGNCY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $8 | $65 | 0.26% |
| DESIREE ROBERTSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.21% |
| 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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 435 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 62 | $169K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 62 | $169K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $172K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $147K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.