| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRESIDIO GROUP3 | 6967 S RIVER GATE DR #200 SALT LAKE CITY, UT 84047 | BERKLEY LIFE & HEALTH INS CO | $31K | $0 | $31K | 6.34% |
| THE PRESIDIO GROUP3 Filed as: THE PRESIDIO GROUP INC | 5295 S 300 W #550 SALT LAKE CITY, UT 84107 | DENTAL MANAGEMENT ADMINISTRATORS | $7K | $0 | $7K | 3.90% |
| JANE ANN MORRISON3 | 1 LONE HOLLOW DR SANDY, UT 84092 | DENTAL MANAGEMENT ADMINISTRATORS | $3K | $0 | $3K | 1.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGEM | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $463K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $153K |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL MANAGEMENT ADMINISTRATORS | 622 | $170K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 0 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.