| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANSUTTER INSURANCE & RISK MGMT | 2469 FORT UNION BLVD SALT LAKE CITY, UT 84121 | GERBER LIFE INSURANCE COMPANY | $47K | — | $47K | 15.07% |
| STHEALTH BENEFIT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.45% |
| STHEALTH BENEFIT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.14% |
| WANSUTTER INSURANCE & RISK MGMT | PO BOX 71480 SALT LAKE CITY, UT 84171 | LIFEMAP ASSURANCE COMPANY | $2K | — | $2K | 15.08% |
| WANSUTTER INSURANCE & RISK MGMT | PO BOX 71408 SALT LAKE CITY, UT 84121 | OPTICARE OF UTAH | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART EIN 75-1857307 TPA | Contract Administrator Service code 13 | 222 W LAS COLINAS BLVD IRVING, TX 75039 | $46K |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | OPTICARE OF UTAH | 89 | $11K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 152 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $21K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 116 | $309K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.