| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRSWEST BENEFIT SOLUTIONS3 | 1139 S OREM BLVD OREM, UT 84058 | SELECTHEALTH | $18K | $11K | $28K | 2.36% |
| FIRSTWEST BENEFIT SOLUTIONS3 | LYLE SWENSON 1139 S OREM BLVD OREM, UT 84058 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT & HEALTH INC | $5K | — | $5K | 5.00% |
| FIRSTWEST BENEFIT SOLUTIONS3 | 1139 S. OREM BLVD OREM, UT 84058 | STANDARD INSURANCE COMPANY | $2K | $370 | $2K | 8.79% |
| FIRSTWEST BENEFIT SOLUTIONS3 | 1139 S. OREM BLVD OREM, UT 84058 | STANDARD INSURANCE COMPANY | $3K | $387 | $3K | 13.54% |
| FIRSTWEST BENEFIT SOLUTIONS3 | 1139 S OREM BLVD OREM, UT 84058 | SELECTHEALTH | $262 | $158 | $420 | 2.25% |
| FIRSTWEST BENEFIT SOLUTIONS3 | 1139 S OREM BLVD OREM, UT 84058 | EYEMED VISION CARE | $1K | — | $1K | 10.09% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 321 | $1.2M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT & HEALTH INC | 340 | $95K |
| Vision | EYEMED VISION CARE | 203 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 177 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 177 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.