| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A PLUS PLANNING & INSURANCE LLC3 Filed as: A PLUS PLANNING & INSURANCE | — | EMI HEALTH | $147K | — | $147K | 4.08% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 N LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $85K | $9K | $94K | 11.06% |
| A PLUS PLANNING & INSURANCE LLC3 Filed as: A PLUS PLANNING & INSURANCE | — | EMI HEALTH | $80K | — | $80K | 10.00% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 N LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | $8K | $54K | 17.47% |
| A PLUS PLANNING & INSURANCE LLC3 Filed as: A PLUS PLANNING & INSURANCE | 395 W 600 N LINDON, UT 84042 | RELIANCE LIFE INSURANCE COMPANY | $49K | $6K | $55K | 20.26% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 W 600 N LINDON, UT 84042 | RELIANCE LIFE INSURANCE COMPANY | $34K | $6K | $40K | 17.64% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 W 600 N LINDON, UT 84042 | RELIANCE LIFE INSURANCE COMPANY | $33K | $6K | $39K | 17.79% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 NORTH LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $4K | $30K | 17.49% |
| A PLUS PLANNING & INSURANCE LLC3 | 395 WEST 600 NORTH LINDON, UT 84042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $85K | $6K | $91K | 100.00% |
| GREYSTONE BENEFITS INC.3 Filed as: GREYSTONE INSURANCE SERVICES, LLC | 395 W 600 N LINDON, UT 84042 | EMI HEALTH | $1.9M | — | $1.9M | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMI HEALTH EIN 87-0189237 N/A | Claims processing; Actuarial Service code 11 | — | $2.8M |
| MILLMAN EIN 91-0189237 N/A | Actuarial Service code 11 | — | $310K |
| GRADIENT EIN 83-1032918 N/A | Actuarial Service code 11 | — | $185K |
| HEALTH BENEFIT DESIGNS EIN 87-0508769 N/A | Insurance agents and brokers Service code 22 | — | $72K |
| WAKELY EIN 38-2599727 N/A | Actuarial Service code 11 | — | $68K |
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 | 7,993 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMI HEALTH | 14,030 | $0 |
| Dental | EMI HEALTH | 13,537 | $3.6M |
| Vision | EMI HEALTH | 9,551 | $797K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,630 | $1.0M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,624 | $310K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,272 | $91K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMIERCA INSURANCE COMPANY | 5,513 | $1.0M |
| Other(3 contracts, 2 carriers) | RELIANCE LIFE INSURANCE COMPANY | 10,630 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,030 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.