| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN INSURANCE SERVICES / | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $8K | — | $8K | 3.00% |
| KELSEY BENEFITS GROUP3 Filed as: KELSEY BENEFITS GROUP DBA INTERMOUN | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | LIFEMAP ASSURANCE COMPANY | $35K | — | $35K | 14.16% |
| KELSEY BENEFITS GROUP3 | 5075 SOUTH 1500 WEST OGDEN, UT 84405 | VISION SERVICE PLAN | $2K | — | $2K | 3.45% |
| AFFORDABLE BENEFIT SOLUTIONS3 | 50 WEST 700N LOGAN, UT 84321 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 66.31% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMINISTRA | PO BOX 1060 GETTYSBURG, PA 17325 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $589 | — | $589 | 2.00% |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 1,064 | $255K |
| Vision | VISION SERVICE PLAN | 321 | $57K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 425 | $245K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 425 | $245K |
| Stop-loss / reinsurancereinsurance | GREENWICH INSURANCE COMPANY | 371 | $276K |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 458 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,064 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.