| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DPW BENEFITS LLC3 | 5525 S 900 E STE 100 SALT LAKE CITY, UT 84117 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $72K | $72K | 2.03% |
| PAM ANDERSON & ASSOCIATES INC3 | 130 W 8600 S MIDVALE, UT 84047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $5K | $23K | 11.77% |
| STEPHANIE COLTRIN3 | 165 E KELSEY AVE. SALT LAKE CITY, UT 84111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $136 | $8K | 3.95% |
| DPW BENEFITS LLC3 | 5525 S 900 E STE 100 SALT LAKE CITY, UT 84117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 3.63% |
| ASHLEY ANDERSON3 | 130 W 8600 S MIDVALE, UT 84047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $381 | $6K | 2.97% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS | 886 E 3200 N KAMAS, UT 84036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $770 | $82 | $852 | 0.43% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE M HOPKINS INC AGCY LUTCF, | 1063 W ALBION VIEW CIRCLE WEST JORDAN, UT 84088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | $0 | $683 | 0.34% |
| PATTI A VINCENT3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | $0 | $367 | 0.18% |
| LARRY W REDDING3 | 288 RIDGE DRIVE APLINE, UT 84004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $361 | $0 | $361 | 0.18% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH ST WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $0 | $205 | 0.10% |
| DPW BENEFITS LLC3 | 5525 S 900 E STE 100 SALT LAKE CITY, UT 84117 | DELTA DENTAL INSURANCE COMPANY | $10K | $0 | $10K | 5.50% |
| DAVIS PACIFIC BENEFITS3 | 5525 S 900 E STE 100 SALT LAKE CITY, UT 84117 | LIFEMAP ASSURANCE COMPANY | $22K | $0 | $22K | 16.30% |
| DAVIS PACIFIC BENEFITS3 | 5525 S 900 E STE 100 SALT LAKE CITY, UT 84117 | EYEMED | $3K | $0 | $3K | 10.00% |
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 | 580 | 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) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 640 | $3.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 778 | $177K |
| Vision | EYEMED | 568 | $34K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 580 | $134K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 135 | $199K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 580 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.