| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 5.68% |
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 5.97% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INS GROUP INC | 8899 SOUTH 700 EAST SUITE 155 SANDY, UT 84070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 1100 EAST 6600 SOUTH SUITE 280 SALT LAKE CITY, UT 84020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.58% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INS GROUP INC | 8899 SOUTH 700 EAST SUITE 155 SANDY, UT 84070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.32% |
| DAVID BALLIF3 | 648 HILLSIDE CIRCLE ALPINE, UT 84004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | $0 | $97 | 0.46% |
| JED D MINER3 Filed as: JED MINER | 1524 EAST 1110 NORTH OREM, UT 84097 | AFLAC | $149 | $0 | $149 | 2.23% |
| BEN FOWLER AND OTHER AGENTS3 | 3123 SOUTH TITANIUM AVENUE APT 216 MERIDIAN, ID 83642 | AFLAC | $132 | $0 | $132 | 1.98% |
| CATHY CHRISTENSEN3 | 2055 SOUTH 2850 WEST WEST HAVEN, UT 84401 | AFLAC | $95 | $0 | $95 | 1.42% |
| DAN MOORE3 | 8792 NORTH CLUBHOUSE LANE EAGLE MOUNTAIN, UT 84005 | AFLAC | $85 | $0 | $85 | 1.27% |
| WILLIAM S PIXLER3 Filed as: WILLIAM PIXLER | 340 EAST 200 SOUTH SPRINGVILLE, UT 84663 | AFLAC | $58 | $0 | $58 | 0.87% |
| CLINT WEIGHT3 | 595 EAST 730 SOUTH SALEM, UT 84653 | AFLAC | $50 | $0 | $50 | 0.75% |
| HEATHER F CHRISTENSEN3 Filed as: HEATHER CHRISTENSEN | PO BOX 784 MORONI, UT 84646 | AFLAC | $42 | $0 | $42 | 0.63% |
| ACRISURE LLC4 Filed as: ORION PARKER | 65 NORTH 100 WEST HURRICANE, UT 84737 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $222 | — | $222 | 5.36% |
| MONT W WHEELER4 | 155 WEST 500 NORTH MT PLEASANT, UT 84647 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $152 | — | $152 | 3.67% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 150 | $302K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 150 | $302K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $242K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $248K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $242K |
| Other(5 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.