| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEILSEN INSURANCE GROUP INC3 | 8899 SOUTH 700 EAST #155 SANDY, UT 84070 | SELECTHEALTH | $32K | $6K | $39K | 5.49% |
| KEYES INSURANCE SERVICES3 Filed as: KEYES INSURANCE SERVICES INC | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | SELECTHEALTH | — | $3K | $3K | 0.42% |
| NEILSEN INSURANCE GROUP INC3 Filed as: NEILSEN BENEFITS GROUP | 8899 SOUTH 700 EAST SANDY, UT 84070 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.99% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | 50 WEST BROADWAY #333 PMB 14879 SALT LAKE CITY, UT 84101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.69% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $299 | — | $299 | 1.62% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | 8899 SOUTH 700 EAST SUITE 155 SANDY, UT 84070 | UNITEDHEALTHCARE INSURANCE COMPANY | $846 | — | $846 | 10.81% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $423 | $423 | 5.40% |
| NEILSEN INSURANCE GROUP INC3 | 50 WEST BROADWAY #333 PMB 14879 SALT LAKE CITY, UT 84101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $658 | — | $658 | 11.42% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $99 | — | $99 | 1.72% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 156 | $710K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 91 | $42K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 166 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $18K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.