| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEINER INSURANCE CENTER3 | 606 WASHINGTON BOULEVARD OGDEN, UT 84404 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 11.95% |
| RENAE BILLINGSLEY3 | 1143 E 300 S BOUNTIFUL, UT 84010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.44% |
| HEINERS INSURANCE CENTER3 | 606 WASHINGTON BLVD OGDEN, UT 84404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.38% |
| STEPHEN D BILLINGSLEY3 | 1143 E 300 S BOUNTIFUL, UT 84010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $544 | $2K | 6.88% |
| BENEFITS DR INC3 | 6785 W 7750 N AMERICAN FORK, UT 84003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $0 | $240 | 0.83% |
| KIMBERLIE REW3 | 910 E 300 S BOUNTIFUL, UT 84010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $0 | $239 | 0.82% |
| MARY BARNETT LINNELL3 | 8773 PIPER LANE SANDY, UT 84093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.29% |
| MDT GROUP LLC3 | 1044 W PARK RESERVE WAY MIDVALE, UT 84047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.02% |
| SNIDEMAN INSURANCE SERVICES LLC3 | 8326 S 1050 E SANDY, UT 84094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| FRINGE BENEFIT ANALYSTS LLC3 Filed as: FRINGE BENEFIT ANALYSTS INC | PO BOX 336 LAYTON, UT 84041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 | 5818 SOUTH 900 EAST UNIT 1 MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ISAACSON INSURANCE AGENCY LLC3 | 345 CONSTITUTION WAY NORTH SALT LAKE, UT 84054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| TIM VINCENT INS AGY INC3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 458 | $68K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 458 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.