| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN BENEFITS GROUP5 | 8899 SOUTH 700 EAST SUITE 155 SANDY, UT 84070 | AMERICA'S TPA, LLC DBA HEALTHEZ | $72K | — | $72K | 6.27% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INS | $9K | — | $9K | 6.48% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | — | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $9K | — | $9K | 8.00% |
| 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 | 16.23% |
| DAVID BALLIF3 | 648 HILLSIDE CIR ALPINE, UT 84004 | AMERICAN HERITAGE LIFE INS CO | $197 | — | $197 | 1.31% |
| ACRISURE LLC4 Filed as: ORION PARKER | 65 N 100 W HURRICANE, UT 84737 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | — | $1K | 14.84% |
| W. MONT WHEELER4 | 155 W 500 N MT PLEASANT, UT 84647 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $835 | — | $835 | 9.68% |
| 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 | — |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INS GROUP | 8899 S 700 E STE 155 SANDY, UT 84070 | EYEMED VISION CARE | $2K | — | $2K | — |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICA'S TPA, LLC DBA HEALTHEZ | 112 | $1.1M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 417 | $115K |
| Vision | EYEMED VISION CARE | 424 | $0 |
| Life insurance | PRINCIPAL LIFE INS | 338 | $135K |
| Short-term disability | PRINCIPAL LIFE INS | 338 | $135K |
| Long-term disability | PRINCIPAL LIFE INS | 338 | $135K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INS CO | 50 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.