| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH BENEFITS DESIGNERS, INC3 | PO BOX 1209 BOUNTIFUL, UT 84011 | SIRIUS AMERICA INSURANCE COMPANY | $43K | — | $43K | 5.00% |
| A PLUS PLANNING & INSURANCE LLC3 | 387 WEST 600 NORTH LINDON, UT 84042 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $48K | — | $48K | 10.00% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 NORTH LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | $12K | $57K | 12.65% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 NORTH LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | $6K | $42K | 23.33% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 NORTH LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $6K | $32K | 18.56% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 NORTH LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 NORTH LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMI HEALTH EIN 87-0189237 SERVICE PROVIDER | Actuarial; Claims processing Service code 11 | — | $2.4M |
| MILLIMAN, INC. EIN 91-0675641 N/A | Actuarial Service code 11 | — | $230K |
| SOVOS COMPLIANCE EIN 46-1379693 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $41K |
| KEDDINGTON & CHRISTENSEN, LLC EIN 45-4186798 N/A | Accounting (including auditing) Service code 10 | — | $8K |
| A PLUS PLANNING & INSURANCE, LLC EIN 27-1467344 N/A | Insurance agents and brokers Service code 22 | — | $0 |
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 | 5,846 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 7,179 | $482K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,627 | $627K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 423 | $80K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 439 | $179K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 4,962 | $854K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,627 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,627 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.