| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 | 8899 S 700 E #155 SANDY, UT 84070 | SELECTHEALTH | $61K | $20K | $81K | 3.66% |
| DESERET INSURANCE AGENCY 4933 | 390 SOUTH MAIN ST BOUNTIFUL, UT 84010 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $7K | — | $7K | 3.98% |
| CALVIN GIBBS3 Filed as: CALVIN J GIBBS | CORPORATE BENEFITS 2930 S OAKWOOD DR BOUNTIFUL, UT 84010 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.77% |
| CHARLES E HAWKINS3 | 4505 SOUTH WASATCH BLVD STE 110 SALT LAKE CITY, UT 84124 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 4.43% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 412 | $2.2M |
| Dental | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 412 | $176K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 204 | $116K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 204 | $116K |
| Other | HARTFORD LIFE AND ACCIDENT | 204 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.