| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CERVA BROWNING QUINN & CO3 Filed as: CERVA BROWNING AND QUINN | 4746 SOUTH 900 EAST SALT LAKE CITY, UT 84117 | ARCHES | $59K | — | $59K | 3.30% |
| CERVA BROWNING QUINN & CO3 Filed as: CERVA BROWNING & QUINN | 4746 S. 900 E. SALT LAKE CITY, UT 84117 | DENTAL SELECT | $9K | $19K | $27K | 18.29% |
| CERVA BROWNING QUINN & CO3 Filed as: CERVA BROWNING QUINN & CO. | 4746 S. 900 E. # 210 SALT LAKE CITY, UT 84117 | HUMANA DENTAL | $1K | — | $1K | 10.00% |
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 | 652 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARCHES | 652 | $1.8M |
| Dental | DENTAL SELECT | 213 | $148K |
| Vision | HUMANA DENTAL | 65 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.