| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANSUTTER INSURANCE & RISK MGMT3 | PO BOX 71408 SALT LAKE CITY, UT 84121 | GERBER LIFE INSURANCE COMPANY | $36K | — | $36K | 14.83% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $493 | $2K | 12.47% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $509 | $2K | 12.75% |
| WANSUTTER INSURANCE & RISK MGMT3 | 2469 FORT UNION BLVD SALT LAKE CITY, UT 84121 | OPTICARE OF UTAH | $977 | — | $977 | 10.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $966 | $483 | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART EIN 75-1857307 TPA | Contract Administrator Service code 13 | 222 W LAS COLINAS BLVD IRVING, TX 75039 | $34K |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | OPTICARE OF UTAH | 62 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $20K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 85 | $242K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.