| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC. | — | SELECTHEALTH | $50K | $17K | $66K | 3.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | STARMOUNT LIFE INSURANCE COMPANY | $10K | $787 | $11K | 10.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES UT | — | UNUM | $4K | $303 | $5K | 10.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC | — | GUARDIAN | $4K | $200 | $4K | 24.22% |
| RYAN H BECK3 | — | GUARDIAN | $4K | — | $4K | 23.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES UT | — | UNUM | $2K | $82 | $2K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC | — | EYEMED VISION CARE | $1K | — | $1K | 11.50% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 306 | $1.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 140 | $105K |
| Vision | EYEMED VISION CARE | 147 | $10K |
| Life insurance(2 contracts) | UNUM | 171 | $54K |
| Long-term disability | UNUM | 171 | $43K |
| Other(3 contracts, 2 carriers) | UNUM | 171 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.