| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A PLUS PLANNING & INSURANCE LLC3 Filed as: A PLUS PLANNING & INSURANCE | — | EMI HEALTH | $148K | — | $148K | 4.06% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 N LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $87K | $6K | $93K | 10.69% |
| A PLUS PLANNING & INSURANCE LLC3 Filed as: A PLUS PLANNING & INSURANCE | — | EMI HEALTH | $79K | — | $79K | 10.00% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 NORTH LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $78K | $6K | $84K | 19.70% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 N LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | $5K | $56K | 16.37% |
| A PLUS PLANNING & INSURANCE LLC3 Filed as: A PLUS PLANNING & INSURANCE | 395 W 600 N LINDON, UT 84042 | RELIANCE LIFE INSURANCE COMPANY | $49K | — | $49K | 18.00% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 W 600 N LINDON, UT 84042 | RELIANCE LIFE INSURANCE COMPANY | $41K | $8K | $48K | 17.84% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 W 600 N LINDON, UT 84042 | RELIANCE LIFE INSURANCE COMPANY | $40K | — | $40K | 15.00% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 NORTH LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $3K | $32K | 16.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMI HEALTH EIN 87-0189237 N/A | Claims processing; Actuarial Service code 11 | — | $2.9M |
| MILLMAN INC EIN 91-0675641 N/A | Actuarial Service code 11 | — | $437K |
| HEALTH BENEFITS DESIGNERS INC EIN 87-0508769 N/A | Insurance agents and brokers Service code 22 | — | $72K |
| BENEFITS COORDINATORS OF AMERICA LL EIN 26-1355708 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $32K |
| KEDDINGTON & CHRISTENSEN LLC EIN 45-4186798 N/A | Accounting (including auditing) Service code 10 | — | $5K |
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 | 7,498 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMI HEALTH | 14,030 | $0 |
| Dental | EMI HEALTH | 14,452 | $3.6M |
| Vision | EMI HEALTH | 10,010 | $787K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12,527 | $1.1M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,443 | $340K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,272 | $426K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMIERCA INSURANCE COMPANY | 13,998 | $922K |
| Other(3 contracts, 2 carriers) | RELIANCE LIFE INSURANCE COMPANY | 12,527 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,452 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.