| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDERMOTT COMPANY & ASSOCIATES3 Filed as: MCDERMOTT COMPANY & ASSOC | 883 WEST BAXTER DR SOUTH JORDAN, UT 84095 | SELECTHEALTH | $52K | $26K | $79K | 2.73% |
| MCDERMOTT COMPANY & ASSOCIATES3 Filed as: MCDERMOTT COMPANY & ASSOC | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | UNITED OF OMAHO LIFE INSURANCE COMPANY | $19K | — | $19K | 9.29% |
| MCDERMOTT COMPANY & ASSOCIATES3 Filed as: MCDERMOTT COMPANY & ASSOC | 883 W BAXTER DR SOUTH JORDAN, UT 84095 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.78% |
| CUSTOM INSURANCE SPECIALISTS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $100 | $3K | 9.60% |
| LUKE A ROCKWELL3 Filed as: LUKE MCDERMOTT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.52% |
| JILL HUGHES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $794 | $24 | $818 | 2.84% |
| LISA B NIELSEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.36% |
| PATTI A VINCENT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.30% |
| DESIREE ROBERTSON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.17% |
| VOLUNTARY SOLUTIONS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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 | 514 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $192K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $192K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHO LIFE INSURANCE COMPANY | 288 | $231K |
| Long-term disability | UNITED OF OMAHO LIFE INSURANCE COMPANY | 288 | $202K |
| Other | UNITED OF OMAHO LIFE INSURANCE COMPANY | 288 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.