| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING BENEFITS INSURANCE SERVICE3 | 4525 S WASATCH BLVD STE 250 SLC, UT 84124 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $23K | $0 | $23K | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 15 W SOUTH TEMPLE STE 700 SLC, UT 84101 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $22K | $0 | $22K | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFEMAP ASSURANCE COMPANY | $961 | $0 | $961 | 10.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $183 | $2K | 25.39% |
| STERLING BENEFITS INSURANCE SERVICE3 | 4525 S WASATCH BLVD STE 250 SLC, UT 84124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 23.44% |
| STERLING BENEFITS INSURANCE SERVICE3 | 4525 S WASATCH BLVD STE 250 SLC, UT 84124 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $4K | $0 | $4K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 15 W SOUTH TEMPLE STE SALT LAKE CITY, UT 84101 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $4K | $0 | $4K | — |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 353 | $1.5M |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 166 | $0 |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 268 | $9K |
| Long-term disability(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 268 | $19K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF UTAH | 353 | $1.5M |
| Other | LIFEMAP ASSURANCE COMPANY | 268 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.