| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 840410336 | SELECT HEALTH | $46K | $15K | $61K | 3.66% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 840410336 | ACE AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.00% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 840410336 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.53% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 840410336 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.51% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 840410336 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.64% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 840410336 | ACE AMERICAN INSURANCE COMPANY | $550 | $0 | $550 | 6.00% |
| PAM ANDERSON & ASSOCIATES INC3 Filed as: PAM ANDERSON & ASSOCIATES INC. | 130 W 8600 S MIDVALE, UT 84047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $810 | $267 | $1K | 13.21% |
| STEPHANIE COLTRIN3 | 165 E KELSEY AVE SALT LAKE CITY, UT 84111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $669 | $13 | $682 | 8.36% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 840410336 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $0 | $465 | 5.70% |
| KEITH R CORDON INSURANCE AND MARKET3 Filed as: KEITH R CORDON INS CONSULTING & MKT | 5300 S ADAMS AVE STE 11 OGDEN, UT 84405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 1.09% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE M HOPKINS INS AGCY LUTCF PC | 1063 W ALBION VIEW CIRCLE WEST JORDAN, UT 84088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.76% |
| PERRY FINANCIAL GROUP3 Filed as: PERRY FINANCIAL GROUP INC | C/O PERRY FINANCIAL GROUP INC DRAPER, UT 84020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.23% |
| PATTI A VINCENT3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.11% |
| ASHLEY ANDERSON3 | 130 W 8600 S MIDVALE, UT 84047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.07% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 285 | $1.7M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 144 | $59K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 68 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $36K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.