| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLDENWEST INSURANCE SERVICES3 | 315 N. MARKETPLACE DR CENTERVILLE, UT 84014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $52K | $52K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CA | 830 ROOSEVELT SUITE 200 IRVINE, CA 92620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.19% |
| GOLDENWEST INSURANCE SERVICES3 | 5025 S. ADAMS AVE OGDEN, UT 84403 | SELECT HEALTH | $21K | $7K | $28K | 4.00% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKET PLACE DR CENTERVILLE, UT 84014 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 6.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMTED | 300 N LA SALLE DR FLORR 17 CHICAGO, IL 606543406 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.27% |
| GOLDENWEST INSURANCE SERVICES3 | 315 NORTH MARKETPLACE DRIVE CENTERVILLE, UT 84014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.32% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE M HOPKINS INS AGENCY | 5411 SOUTH VINE STREET UNIT 4 MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $111 | $1K | 8.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $1 | $305 | 2.14% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | PO BOX 775 SALEM, UT 84653 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.29% |
| PAM ANDERSON & ASSOCIATES INC3 Filed as: PAM ANDERSON & ASSOCIATES INC. | 5411 S VINE STREET MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.29% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.13% |
| PATTI A VINCENT3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.13% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.06% |
| ASHLEY ANDERSON3 | 5411 SOUTH VINE STREET MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS INC. | 886 E 3200 N KAMAS, UT 84036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| JILL HUGHES3 | 6510 TAMARA DRIVE SALT LAKE CITY, UT 84129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 385 | $3.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,082 | $440K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,082 | $384K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,082 | $384K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,082 | $384K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,082 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,082 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.