| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOC INS BRK INC. | 257 EAST 200 SOUTH #750 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $49K | — | $49K | 3.23% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOC INS BRK INC. | 257 EAST 200 SOUTH #750 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $9K | — | $9K | 2.60% |
| CENTRAL BANK INSURANCE INC3 | PO BOX 1445 PROVO, UT 84603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.31% |
| FOOTE INS AGENCY3 | PO BOX 1445 PROVO, UT 84603 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.61% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 562 | $1.9M |
| Dental(2 contracts) | SELECTHEALTH | 562 | $1.9M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 144 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $64K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 144 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.