| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANSUTTER INSURANCE & RISK MGMT3 | 2469 E FORT UNION BLVD SALT LAKE CITY, UT 84121 | GERBER LIFE INSURANCE | — | — | $0 | 0.00% |
| WELLER INVESTMENTS INSURANCE3 | 2469 FORT UNION BLVD HOLLADAY, UT 84121 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $8K | — | $8K | 13.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 30541 SALT LAKE CITY, UT 84130 | $39K |
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 | 72 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 91 | $56K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 91 | $56K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 91 | $56K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 91 | $56K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE | 73 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.