| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC | — | REGENCE BLUECROSS BLUESHIELD OF UTAH | $41K | — | $41K | 1.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC | — | PRUDENTIAL | $14K | — | $14K | 13.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | — | PRUDENTIAL | $312 | — | $312 | 0.30% |
| IMG5 | — | PRUDENTIAL | — | $48 | $48 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC | — | UNITEDHEALTHCARE | $2K | — | $2K | 9.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | — | UNITEDHEALTHCARE | $146 | — | $146 | 0.73% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 547 | $2.6M |
| Dental | REGENCE BLUECROSS BLUESHIELD OF UTAH | 547 | $2.6M |
| Vision | UNITEDHEALTHCARE | 244 | $20K |
| Life insurance | PRUDENTIAL | 453 | $102K |
| Long-term disability | PRUDENTIAL | 453 | $102K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF UTAH | 547 | $2.6M |
| Other | PRUDENTIAL | 453 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.