| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 8899 SOUTH 700 EAST, SUITE 84070 SANDY, UT 84070 | EDUCATORS MUTUAL PLANS LIFE,ACCIDENT AND HEALTH, INC. | $14K | $0 | $14K | 8.00% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.76% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 8899 SOUTH 700 EAST, SUITE 155 SANDY, UT 84070 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 8.26% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 8899 SOUTH 700 EAST, SUITE 155 SANDY, UT 84070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 17.16% |
| DAVID BALLIF3 | 648 HILLSIDE CIRCLE ALPINE, UT 84004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $304 | $0 | $304 | 0.76% |
| ACRISURE LLC4 Filed as: ORION PARKER | 65 NORTH 100 WEST HURRICANE, UT 84737 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $654 | $0 | $654 | 8.09% |
| W. MONT WHEELER4 | 155 WEST 500 NORTH MOUNT PLEASANT, UT 84647 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $396 | $0 | $396 | 4.90% |
| JED D MINER3 Filed as: JED D. MINER | 1524 EAST 1110 NORTH OREM, UT 84097 | AFLAC | $152 | $0 | $152 | 2.25% |
| BEN F. FOWLER AND OTHER AGENTS3 | 3123 SOUTH TITANIUM AVENUE APARTMENT 216 MERIDIAN, ID 83642 | AFLAC | $133 | — | $133 | 1.97% |
| CATHY D CHRISTENSEN3 Filed as: CATHY D. CHRISTENSEN | 2055 SOUTH 2850 WEST WEST HAVEN, UT 84401 | AFLAC | $95 | — | $95 | 1.41% |
| DAN MOORE3 | 8792 NORTH CLUBHOUSE LANE EAGLE MOUNTAIN, UT 84005 | AFLAC | $85 | $0 | $85 | 1.26% |
| WILLIAM S PIXLER3 Filed as: WILLIAM S. PIXLER | 340 EAST 200 SOUTH SPRINGVILLE, UT 84663 | AFLAC | $60 | $0 | $60 | 0.89% |
| CLINT ERIC WEIGHT3 | 595 EAST 730 SOUTH SALEM, UT 84653 | AFLAC | $50 | — | $50 | 0.74% |
| HEATHER F CHRISTENSEN3 Filed as: HEATHER F. CHRISTENSEN | PO BOX 784 MARONI, UT 84646 | AFLAC | $42 | $0 | $42 | 0.62% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE,ACCIDENT AND HEALTH, INC. | 435 | $179K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 430 | $58K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $140K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $146K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $140K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.