| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAN HEALTH3 | 10150 SOUTH CENTENNIAL SUITE 450 SANDY, UT 84070 | HCC LIFE INSURANCE COMPANY | -$294 | — | -$294 | -0.18% |
| KELSEY BENEFITS GROUP3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 10.81% |
| KELSEY BENEFITS GROUP3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 10.85% |
| KELSEY BENEFITS GROUP3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 10.82% |
| MERITAN HEALTH3 Filed as: MERITAN HEALTH, INC. | 10150 SOUTH CENTENNIAL PARKWAY SUITE 450 SANDY, UT 84070 | AIG BENEFIT SOLUTIONS | $9K | — | $9K | 10.00% |
| MERITAN HEALTH3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | VISION SERVICE PLAN | $5K | — | $5K | 5.86% |
| KELSEY BENEFITS GROUP3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.84% |
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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 453 | $81K |
| Life insurance(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 548 | $376K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 387 | $78K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 487 | $164K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 548 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.