| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILES ROMNEY3 | 95 SOUTH STATE ST STE 1300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $105K | $7K | $112K | 2.65% |
| CELIA NASH INSURANCE3 Filed as: CELIA NASH UNDERWOOD | 2005 E 2700 S STE 140 SALT LAKE CITY, UT 84109 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $81K | $5K | $86K | 2.04% |
| TODD VALENTINE3 | PO BOX 571431 MURRAY, UT 84157 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $13K | $550 | $13K | 0.31% |
| JOSHUA PINNOCK3 | 448 SOUTH 400 E SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $5K | $0 | $5K | 0.12% |
| JOANIE HARDCASTLE3 | PO BOX 571431 MURRAY, UT 84157 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $3K | $150 | $3K | 0.07% |
| MICHAEL VALENTINE3 | PO BOX 571431 MURRAY, UT 84157 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $2K | $100 | $2K | 0.05% |
| SPENCER WALL3 | PO BOX 571431 MURRAY, UT 84157 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $828 | $0 | $828 | 0.02% |
| DARRELL RAWLINS3 | 141 W JACKSON BLVD STE 1100 LCKBX CHICAGO, IL 60604 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $357 | $130 | $487 | 0.01% |
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 | 428 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 428 | $4.2M |
| Vision | REGENCE BLUECROSS BLUESHIELD OF UTAH | 428 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.