| 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 | $9K | — | $9K | 3.00% |
| WELLER INVESTMENTS INSURANCE3 | 2469 FORT UNION BLVD HOLLADAY, UT 84121 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| WANSUTTER INSURANCE & RISK MGMT3 | PO BOX 71408 SALT LAKE CITY, UT 84121 | OPTICARE VISION SERVICES | $1K | — | $1K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART EIN 75-1857307 TPA | Contract Administrator Service code 13 | 222 W LAS COLINAS BLVD IRVING, TX 75039 | $26K |
| IMAGINE HEALTH EIN 26-4343123 TPA | Contract Administrator Service code 13 | 6995 S UNION PARK CENTER BUILDING 5 STE 140 COTTONWOOD HEIGHTS, UT 84047 | $5K |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | OPTICARE VISION SERVICES | 192 | $12K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 123 | $47K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 123 | $47K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 123 | $47K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE | 68 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.