| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLDENWEST INSURANCE SERVICES3 | 5025 S. ADAMS AVE OGDEN, UT 84403 | AETNA LIFE INSURANCE CO. | $0 | $86K | $86K | 2.55% |
| GOLDENWEST INSURANCE SERVICES3 | 5025 S. ADAMS AVE OGDEN, UT 84403 | AETNA LIFE INSURANCE CO. | $23K | $10K | $33K | 0.98% |
| GOLDENWEST INSURANCE SERVICES3 | 5025 S ADAMS AVE OGDEN, UT 84403 | AETNA LIFE INSURANCE CO. | $0 | $22K | $22K | 2.59% |
| GOLDENWEST INSURANCE SERVICES3 | 5025 S ADAMS AVE OGDEN, UT 84403 | AETNA LIFE INSURANCE CO. | $7K | $3K | $9K | 1.04% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKET PLACE DR CENTERVILLE, UT 84014 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| GOLDENWEST INSURANCE SERVICES3 Filed as: GOLDENWEST FINANCIAL SERVICES | 315 N MARKET PLACE DR CENTERVILLE, UT 84014 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE M HOPKINS INS AGENCY | 1063 W ALBION VIEW CIRCLE WEST JORDAN, UT 84088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 28.04% |
| GOLDENWEST INSURANCE SERVICES3 | 5025 S ADAMS AVE OGDEN, UT 84403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.22% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.09% |
| PAM ANDERSON & ASSOCIATES INC3 Filed as: PAM ANDERSON & ASSOCIATES INC. | 130 W 8600 S MIDVALE, UT 84047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.09% |
| ASHLEY ANDERSON3 | 130 W 8600 S MIDVALE, UT 84047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | PO BOX 775 SALEM, UT 84653 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| PATTI A VINCENT3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | 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 | $2 | $0 | $2 | 0.01% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 607 | $4.2M |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 607 | $4.2M |
| Vision(2 contracts) | AETNA LIFE INSURANCE CO. | 607 | $4.2M |
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 808 | $164K |
| Short-term disability(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 808 | $164K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 808 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.