| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALBION BENEFITS LLC3 Filed as: ALBION BENEFITS | 10808 S RIVER FRONT PARKWAY #3072 SOUTH JORDAN, UT 84095 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $45K | $0 | $45K | 5.00% |
| ALBION BENEFITS LLC3 Filed as: ALBION BENEFITS/MIKE BRINTON | 10808 S RIVER FRONT PARKWAY SUITE 3072 SOUTH JORDAN, UT 84095 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC. | $3K | $0 | $3K | 4.17% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | 302 WEST 5400 SOUTH, SUITE 101 MURRAY, UT 84107 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC. | $573 | $0 | $573 | 0.83% |
| ALBION BENEFITS LLC3 Filed as: ALBION BENEFITS/MIKE BRINTON | 10808 S RIVER FRONT PARKWAY SUITE 3072 SOUTH JORDAN, UT 84095 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $490 | $0 | $490 | 4.23% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | 302 WEST 5400 SOUTH, SUITE 101 MURRAY, UT 84107 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $89 | $0 | $89 | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALBION BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 10808 S JORDAN PARKWAY #3072 SOUTH JORDAN, UT 84095 | $48K |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 117 | $895K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC. | 265 | $69K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 163 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.