| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLE PERFORMANCE LLC3 | 80 N. 100 E PROVO, UT 84606 | SELECTHEALTH | $102K | $34K | $136K | 4.00% |
| TIMP BENEFITS & INSURANCE INC3 | 1031 W CENTER ST STE 302 OREM, UT 840575205 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.43% |
| BRENT HILLIER3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 25.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $81 | $81 | 0.11% |
| TIMP BENEFITS & INSURANCE INC3 Filed as: TIMP BENEFITS & INS INC | 1031 W CENTER ST STE 302 OREM, UT 84057 | UNUM LIFE INS COMPANY OF AMERICA | $3K | — | $3K | 15.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.00% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 615 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 728 | $261K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 287 | $71K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 287 | $92K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 366 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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.