| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 1124 WEST SOUTH JORDAN PARKWAY SUITE C SOUTH JORDAN, UT 84095 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.92% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.58% |
| DIGITAL INSURANCE LLC3 | UNKNOWN SALT LAKE CITY, UT 84116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.33% |
| VENTRIS, LLC3 Filed as: VENTRIS LLC | 10913 SOUTH RIVER FRONT PARKWAY SUITE 100 SOUTH JORDAN, UT 84095 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 7.43% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $53K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $53K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $92K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $92K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.