| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INS GROUP | 8899 S 700 E STE 155 SANDY, UT 84070 | UNITEDHEALTHCARE INS COMPANY | $76K | — | $76K | 4.05% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INS COMPANY | $13K | — | $13K | 0.68% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INS | $5K | — | $5K | 6.29% |
| NIELSEN BENEFITS GROUP3 | 8899 S 700 E STE 155 SANDY, UT 84070 | AETNA LIFE INS | $4K | — | $4K | 4.78% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INS GROUP | 8899 S 700 E STE 155 SANDY, UT 84070 | EYEMED VISION CARE | $2K | — | $2K | 9.95% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INS GROUP, INC | 8899 S 700 E STE 155 SANDY, UT 84070 | AMERICAN HERITAGE LIFE INS CO | $2K | — | $2K | 15.00% |
| ACRISURE LLC4 Filed as: ORION PARKER | 65 N 100 W HURRICANE, UT 84737 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | — | $1K | 28.79% |
| W. MONT WHEELER4 | 155 W 500 N MT PLEASANT, UT 84647 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $509 | — | $509 | 10.35% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INS GROUP INC | 8899 S 700 E STE 155 SANDY, UT 84070 | AMERICAN HERITAGE LIFE INS CO | $3K | — | $3K | 92.70% |
| DAVID BALLIF3 | 648 HILLSIDE CIR ALPINE, UT 84004 | AMERICAN HERITAGE LIFE INS CO | $205 | — | $205 | 7.30% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INS COMPANY | 387 | $1.9M |
| Dental | AETNA LIFE INS | 307 | $87K |
| Vision | EYEMED VISION CARE | 402 | $20K |
| Life insurance | PRINCIPAL LIFE INS | 301 | $87K |
| Long-term disability | PRINCIPAL LIFE INS | 301 | $87K |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | 46 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.