| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEINERS INSURANCE CENTER3 | 606 WASHINGTON BLVD OGDEN, UT 84404 | SELECTHEALTH | $58K | $13K | $71K | 4.77% |
| HEINERS INSURANCE CENTER3 | 606 WASHINGTON BLVD OGDEN, UT 84404 | METROPOLITANLIFE INSURANCE COMPANY | $7K | — | $7K | 12.43% |
| HEINERS INSURANCE CENTER3 | 606 WASHINGTON BLVD OGDEN, UT 84404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.08% |
| RENAE BILLINGSLEY3 | 1143 E 300 S BOUNTIFUL, UT 84010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $34 | $1K | 4.60% |
| STEPHEN D BILLINGSLEY3 | 1143 E 300 S BOUNTIFUL, UT 84010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $632 | $77 | $709 | 2.72% |
| FRINGE BENEFIT ANALYSTS LLC3 Filed as: FRINGE BENEFIT ANALYSTS INC | PO BOX 336 LAYTON, UT 84041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.30% |
| JOHN MICHAEL CONRAD3 | 766 AUBURN CIR KAYSVILLE, UT 84037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.27% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 | 5818 SOUTH 900 EAST UNIT 1 MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.12% |
| ISAACSON INSURANCE AGENCY LLC3 | 22627 W BLUFF DR WEST LINN, OH 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| PATTI A VINCENT3 Filed as: PATTI VINCENT | 3489 W 10305 S SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 356 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITANLIFE INSURANCE COMPANY | 359 | $82K |
| Long-term disability | METROPOLITANLIFE INSURANCE COMPANY | 359 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.