| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES E HAWKINS3 | 4505 SOUTH WASATCH BOULEVARD SUITE 110 SALT LAKE CITY, UT 84124 | HARTFORD LIFE AND ACCIDENT | $25K | $1K | $26K | 3.11% |
| CALVIN GIBBS3 | 2930 S OAKWOOD DR BOUNTIFUL, UT 84010 | HARTFORD LIFE AND ACCIDENT | $25K | $1K | $26K | 3.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 2.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCES CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.56% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MC CULLUGH | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 19.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 26.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $922 | $922 | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 310502 DES MOINES, IA 50331 | LEGALPLANS, USA | — | $3K | $3K | 15.00% |
| CORESTREAM3 Filed as: CORESTREAM - 1026 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 33609 | LEGALPLANS, USA | — | $1K | $1K | 5.00% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M, MC CULLUGH | 14715 NORTHEAST 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MC CULLUGH | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $679 | — | $679 | 20.60% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M, MC CULLUGH | 14715 NORTHEAST 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $303 | — | $303 | 19.97% |
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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WEST HEALTH ADVOCATE SOLUTIONS INC. | 1,265 | $16K |
| Vision | VISION SERVICE PLAN | 648 | $115K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,233 | $829K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,233 | $829K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,233 | $829K |
| Other(8 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,265 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,265 | — |
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.