| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.63% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.94% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 9.92% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $4 | $1K | 14.81% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | UNUM LIFE INSURANCE COMPANY | $1K | $3 | $1K | 14.78% |
| GOLDENWEST INSURANCE SERVICES3 | 5025 S. ADAM AVE OGDEN, UT 84403 | VISION SERVICE PLAN | $385 | $0 | $385 | 4.87% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $40 | $0 | $40 | 0.51% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N. MARKETPLACE DR. CENTERVILLE, UT 84014 | UNUM INSURANCE COMPANY | $1K | $3 | $1K | 14.75% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 240 | $186K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 240 | $194K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 461 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $20K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 461 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.