| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES INSURANCE SERVICES3 Filed as: KEYES INSURANCE SERVICES INC | 5075 S 1500 W RIVERDALE, UT 844053969 | SELECTHEALTH | $65K | $108K | $172K | 1.60% |
| KEYES INSURANCE SERVICES3 | 5075 S 1500 W RIVERDALE, UT 84405 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $333 | — | $333 | 0.03% |
| KEYES INSURANCE SERVICES3 Filed as: KEYES INSURANCE SERVICES INC. | 5075 S 1500 W RIVERDALE, UT 84405 | AMERITAS LIFE INSURANCE CORP | $25K | $8K | $33K | 3.99% |
| KEYES INSURANCE SERVICES3 Filed as: KEYES BENEFIT | 5075 S 1500 W RIVERDALE, UT 84405 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.17% |
| KEYS BENEFIT | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 3.12% |
| KEYS BENEFIT | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.17% |
| KEYES INSURANCE SERVICES3 | 5075 S 1500 W RIVERDALE, UT 84405 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 23.00% |
| KEYES INSURANCE SERVICES3 | 5075 S 1500 W RIVERDALE, UT 84405 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 23.00% |
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 | 1,132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 2,502 | $11.9M |
| Dental | AMERITAS LIFE INSURANCE CORP | 3,524 | $826K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,045 | $428K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,666 | $322K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,666 | $217K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,524 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.