| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) | RIGBY, WAYNE L 3900 NO TRAVERSE MTN BLVD #301 LEHI, UT 84043 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $25K | $3K | $28K | 2.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) | JOHNSTON, D. RUSSELL 3900 NO TRAVERSE MTN BLVD #301 LEHI, UT 84043 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $3K | — | $3K | 0.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3900 N. TRAVERSE MT. BLVD STE, 30 LEHI, UT 84043 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1139 SOUTH OREM BLVD OREM, UT 84058 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $786 | $4K | 8.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1139 SOUTH OREM BLVD OREM, UT 84058 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $493 | $4K | 13.29% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 290 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 131 | $89K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 139 | $51K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 136 | $30K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 139 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.