| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 115 N MAIN ST CEDAR CITY, UT 84720 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $42K | $42K | 5.26% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | JEFF HYDE 115 NORTH MAIN CEDAR CITY, UT 84720 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $4K | — | $4K | 6.00% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 115 N. MAIN ST. CEDAR CITY, UT 84720 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.25% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOC LLC | 216 S 200 W CEDAR CITY, UT 84720 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $517 | $517 | 1.01% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 N 400 #C-102 ST. GEORGE, UT 84770 | EYEMED | $860 | — | $860 | 10.62% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $808K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 194 | $73K |
| Vision | EYEMED | 183 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $51K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $51K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.