| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PERRY FINANCIAL GROUP3 Filed as: PERRY FINANCIAL GRP INC | 782 EAST 12400 SOUTH DRAPER, UT 84020 | SELECTHEALTH | $13K | $17K | $30K | 1.14% |
| PERRY FINANCIAL GROUP3 | 782 E 12400 S DRAPER, UT 84020 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.49% |
| PERRY FINANCIAL GROUP3 | PO BOX 336 LAYTON, UT 84041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.48% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 84041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| PERRY FINANCIAL GROUP3 Filed as: PERRY FINANCIAL GROUP INC | PO BOX 336 LAYTON, UT 84041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.17% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 84041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.05% |
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 | 373 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 882 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 770 | $340K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 413 | $107K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $39K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 413 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.