| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUCKNER COMPANY3 | 6550 S MILLROCK DR, STE 300 SALT LAKE CITY, UT 84121 | SELECT HEALTH | $43K | $12K | $55K | 4.96% |
| THE BUCKNER COMPANY3 | 6550 S MILLROCK DR, STE 300 SALT LAKE CITY, UT 84121 | SELECT HEALTH | $23K | — | $23K | 4.03% |
| THE BUCKNER COMPANY3 | 6550 S MILLROCK DR, STE 300 SALT LAKE CITY, UT 84121 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.62% |
| HEINERS INSURANCE CENTER3 | 606 WASHINGTON BLVD OGDEN, UT 84404 | PRINCIPAL LIFE INSURANCE COMPANY | -$506 | — | -$506 | -0.62% |
| RENAE BILLINGSLEY3 | 1143 E 300 S BOUNTIFUL, UT 84010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $297 | $2K | 8.88% |
| THE BUCKNER COMPANY3 | 6550 MILLROCK DR SALT LAKE CITY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.91% |
| HEINERS INSURANCE CENTER3 | 606 WASHINGTON BLVD OGDEN, UT 84404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | — | $642 | 2.84% |
| STEPHEN D BILLINGSLEY3 | 1143 E 300 S BOUNTIFUL, UT 84010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | $158 | $532 | 2.36% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 346 | $1.1M |
| Dental | SELECT HEALTH | 346 | $1.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $81K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $23K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $81K |
| Stop-loss / reinsurancereinsurance | SELECT HEALTH | 350 | $562K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.