| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT B IZATT3 | 46 W 200 S BOUNTIFUL, UT 84010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 1.39% |
| BOYCE LOWERY | P.O BOX 959 DRAPER, UT 84020 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.42% |
| MATTHEW G BERGER3 Filed as: MATTHEW LOWERY | 1900 GROVE CT SCOTTSDALE, AZ 85255 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.53% |
| SEAN FX GLEASON LLC3 Filed as: SEAN HENEY | 1900 GROVE CT SCOTTSDALE, AZ 85255 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.08% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $359K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 152 | $223K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 152 | $223K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 152 | $223K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 152 | $223K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 152 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.