| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTAH AUTO DEALERS INS TRUST3 Filed as: UTAH AUTO DEALERS INSURANCE TRUST | 6095 S FASHION BLVD, STE 250 MURRAY, UT 84107 | SELECTHEALTH | $149K | $70K | $219K | 2.96% |
| UTAH AUTO DEALERS INS TRUST3 Filed as: UTAH AUTO DEALERS REGISTRATION | 6095 S FASHION BLVD, STE 250 MURRAY, UT 84107 | SELECTHEALTH | $1K | $697 | $2K | 0.02% |
| UTAH AUTO DEALERS INS TRUST3 Filed as: UTAH AUTO DEALERS INSURANCE TRUST | 6095 S FASHION BLVD, STE 250 MURRAY, UT 84107 | HARTFORD LIFE & ACCIDENT | $3K | — | $3K | 13.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LARSON & COMPANY, PC EIN 87-0516083 AUDITOR | Accounting (including auditing) Service code 10 | 11240 S RIVER HEIGHTS DR SOUTH JORDAN, UT 84095 | $21K |
| DENTON'S DURHAM JONES PINEGAS EIN 87-0399832 NONE | Legal Service code 29 | PO BOX 4050 SALT LAKE CITY, UT 84110 | $14K |
| JOAN OGDEN ACTUARIES EIN 87-0483011 NONE | Actuarial Service code 11 | 1423 DEVONSHIRE DRIVE SALT LAKE CITY, UT 84108 | $11K |
| EIDE BAILEY, LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | 5929 FASHION POINT DRIVE OGDEN, UT 84403 | $10K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 NONE | Insurance services; Other services Service code 23 | PO BOX 2097 MISSOULA, MT 59806 | $5K |
| INSURANCE NETWORK, LC EIN 35-1116724 NONE | Insurance services Service code 23 | PO BOX 17376 SALT LAKE CITY, UT 84117 | $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 | 691 | 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) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 1,094 | $7.4M |
| Dental | SELECTHEALTH | 1,094 | $7.4M |
| Life insurance | HARTFORD LIFE & ACCIDENT | 223 | $25K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 223 | $25K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 223 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,094 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.