| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEIL SMART, WHITTENBURG INSURANCE3 | 90 E RED PINE DR ALPINE, UT 84404 | MOTIVHEALTH INSURANCE CO. | $62K | — | $62K | 4.39% |
| WHITTENBURG INSURANCE AND INVESTMEN3 | 90 E RED PINE DR ALPINE, UT 84004 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $3K | $28K | 15.87% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL NATIONAL | 257 E 200 S STE 750 SALT LAKE CITY, UT 84111 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 4.00% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES | 5101 SOUTH COMMERCE DRIVE MURRAY, UT 84107 | COMPANION LIFE INSURANCE | $5K | — | $5K | 7.00% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES | 257 E 200 S STE 100 SALT LAKE CITY, UT 84111 | TOTAL DENTAL ADMINSTRATORS OF UTAH | $392 | — | $392 | 7.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 194 | $76K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $174K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $174K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $174K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $174K |
| Prescription drug | MOTIVHEALTH INSURANCE CO. | 280 | $1.4M |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE CO. | 280 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.