| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 NORTH TRAVERSE MOUNTAIN BOULEVARD, SUITE 301 LEHI, UT 84043 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $31K | $191 | $31K | 1.03% |
| USI INSURANCE SERVICES LLC3 | 1100 EAST 6600 SOUTH, SUITE 280 SALT LAKE CITY, UT 84106 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $11K | $728 | $12K | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 NORTH TRAVERSE MOUNTAIN BOULEVARD, SUITE 301 LEHI, UT 84043 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.52% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $69 | $69 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 NORTH TRAVERSE MOUNTAIN BOULEVARD, SUITE 301 LEHI, UT 84043 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 6.69% |
| USI INSURANCE SERVICES LLC3 | 1100 EAST 6600 SOUTH, SUITE 280 SALT LAKE CITY, UT 84106 | UNITEDHEALTHCARE INSURANCE COMPANY | $768 | $0 | $768 | 3.31% |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 362 | $3.0M |
| Dental | REGENCE BLUECROSS BLUESHIELD OF UTAH | 362 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $23K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $137K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $137K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF UTAH | 362 | $3.0M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.