| 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 | 4.79% |
| 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% |
| WHITTENBURG GROUP3 | 90 E RED PINE RD ALPINE, UT 84004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| WHITTENBURG GROUP3 | 90 E RED PINE RD ALPINE, UT 84004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.87% |
| WHITTENBURG GROUP3 | 90 E RED PINE DR ALPINE, UT 84004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.87% |
| STONEHILL & ASSOCIATES3 | 2200 S MAIN STREET50 WEST BROADWAY SUITE 750 SALT LAKE CITY, UT 84101 | OPTICARE VISION SERVICES | $799 | — | $799 | 10.03% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES | 257 E 200 S STE 100 SALT LAKE CITY, UT 84111 | DENTAL - PEAK CARE PLUS | $537 | — | $537 | 9.77% |
| D'ANN DABELL3 Filed as: D ANN DABEL | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $661 | — | $661 | 12.19% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL NATION | 257 E 200 S STE 750 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $47 | — | $47 | 0.87% |
| SEAN MIKAEL3 | 1470 ENINITAS BLVD STE 404 ENCINITAS, CA 92024 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $39 | — | $39 | 0.72% |
| WALTER TALMADGE3 | 5615 W BROCKET DEER DR HERRIMAN, UT 84096 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.48% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 183 | $74K |
| Vision | OPTICARE VISION SERVICES | 145 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $41K |
| Prescription drug | MOTIVHEALTH INSURANCE CO. | 299 | $1.3M |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE CO. | 299 | $1.3M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.