| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELSEY BENEFITS GROUP3 Filed as: KELSEY BENEFITS GROUP DBA INTERMOUN | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | LIFEMAP ASSURANCE COMPANY | $51K | — | $51K | 15.47% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $9K | — | $9K | 3.00% |
| MERITAIN HEALTH3 | PERFORMAX ATTN 223843 PITTSBURGH, PA 15250 | VISION SERVICE PLAN | $1K | — | $1K | 1.86% |
| JEFF KELSEY3 | 5075 SOUTH 1500 WEST OGDEN, UT 84405 | VISION SERVICE PLAN | $536 | — | $536 | 0.88% |
| KELSEY BENEFITS GROUP3 | 5075 SOUTH 1500 WEST OGDEN, UT 84405 | VISION SERVICE PLAN | $518 | — | $518 | 0.85% |
| BRETT J HILTON3 Filed as: BRETT G BULLOCK | 50 WEST 700 NORTH SUITE 101 LOGAN, UT 84321 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 27.66% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 25.49% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.94% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 1,096 | $285K |
| Vision | VISION SERVICE PLAN | 311 | $61K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 405 | $327K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 405 | $327K |
| Stop-loss / reinsurancereinsurance | GREENWICH INSURANCE COMPANY | 344 | $268K |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 457 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.