| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECTRA MANAGEMENT, LLC3 Filed as: SPECTRA BENEFITS | 75 WEST TOWNE RIDGE PARKWAY TOWER 2, SUITE 400 SANDY, UT 84070 | SELECTHEALTH | $51K | $20K | $71K | 2.77% |
| SPECTRA MANAGEMENT, LLC3 | 75 WEST TOWNE RIDGE PARKWAY SUITE 400 SANDY, UT 84070 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $15K | $31K | 12.08% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE M. HOPKINS INS. AGENCY | 5782 SOUTH 900 EAST MURRAY, UT 84121 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $805 | $4K | 29.36% |
| SPECTRA MANAGEMENT, LLC3 | 75 WEST TOWNE RIDGE PARKWAY SANDY, UT 84070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.45% |
| PAM ANDERSON & ASSOCIATES INC3 Filed as: PAM ANDERSON AND ASSOCIATES, INC. | 5818 SOUTH 900 EAST MURRAY, UT 84121 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $148 | $20 | $168 | 1.14% |
| LYLE G. SWENSON3 | PO BOX 775 SALEM, UT 84653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE, INC. | PO BOX 775 SALEM, UT 84653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.14% |
| PATTI A VINCENT3 Filed as: PATTI A. VINCENT | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.14% |
| TOM GILLIGAN3 Filed as: TOM GILLIGAN AND OTHER AGENTS | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.07% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 507 | $2.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 716 | $258K |
| Vision(2 contracts, 2 carriers) | SELECTHEALTH | 716 | $2.8M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 716 | $258K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 716 | $258K |
| Prescription drug | SELECTHEALTH | 507 | $2.5M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 716 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.