| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 199 N 290 W STE 200 LINDON, UT 84042 | AMERITAS LIFE INSURANCE CORP. | $19K | $0 | $19K | 5.50% |
| MAGELLAN INC3 Filed as: MAGELLAN HUMAN CAPITAL MANAGEMENT | 199 N 290 W STE 200 LINDON, UT 84042 | SELECTHEALTH | $10K | $2K | $12K | 4.21% |
| MAGELLAN INC3 Filed as: MAGELLAN HUMAN CAPITAL MANAGEMENT | 199 N 290 W STE 200 LINDON, UT 84042 | SELECTHEALTH | $9K | $2K | $11K | 4.11% |
| MAGELLAN INC3 Filed as: MAGELLAN HUMAN CAPITAL MANAGEMENT | 199 N 290 W STE 200 LINDON, UT 84042 | SELECTHEALTH | $9K | $2K | $11K | 4.13% |
| MAGELLAN INC3 Filed as: MAGELLAN HUMAN CAPITAL MANAGEMENT | 199 N 290 W STE 200 LINDON, UT 84042 | SELECTHEALTH | $8K | $2K | $10K | 3.85% |
| MAGELLAN INC3 Filed as: MAGELLAN HUMAN CAPITAL MANAGEMENT | 199 N 290 W STE 200 LINDON, UT 84042 | SELECTHEALTH | $9K | $2K | $11K | 4.12% |
| MAGELLAN INC3 Filed as: MAGELLAN HUMAN CAPITAL MANAGEMENT | 199 N 290 W STE 200 LINDON, UT 84042 | SELECTHEALTH | $6K | $1K | $8K | 4.39% |
| KIMBALL R DOXEY3 | 455 EAST 500 SOUTH #305 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| KIMBALL R DOXEY3 | 455 EAST 500 SOUTH #305 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.52% |
| KIMBALL R DOXEY3 | 455 EAST 500 SOUTH #305 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | $0 | $207 | 15.00% |
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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | SELECTHEALTH | 150 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 600 | $348K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 600 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.