| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE | — | BERKLEY LIFE AND HEALTH INSURANCE CO | $21K | — | $21K | 5.07% |
| LEAVITT GROUP3 | — | BERKLEY LIFE AND HEALTH INSURANCE CO | $20K | — | $20K | 4.93% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 N 400 E STE C102 SAINT GEORGE, UT 84770 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.85% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOC | PO BOX 130 CEDAR CITY, UT 84721 | PRINCIPAL LIFE INSURANCE COMPANY | — | $400 | $400 | 0.47% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 N 400 E C102 SAINT GEORGE, UT 84790 | HARTFORD LIFE AND ACCIDENT | $195 | $32 | $227 | 17.50% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE CO | 131 | $411K |
| Dental | DELTA DENTAL | 137 | $0 |
| Vision | VISION SERVICE PLAN | 444 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $85K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $85K |
| Other | HARTFORD LIFE AND ACCIDENT | 0 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.