| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLDENWEST INSURANCE SERVICES3 Filed as: GOLDENWEST INSURANCE SERV | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | DENTIST DIRECT, LLC | $19K | — | $19K | 4.00% |
| GOLDENWEST INSURANCE SERVICES Filed as: GOLDENWEST INSURANCE SERV | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | AMERICAN HERITAGE LIFE INSURANCE CO | $10K | — | $10K | 14.98% |
| GOLDENWEST INSURANCE SERVICES3 Filed as: GOLDENWEST INSURANCE SERV | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | AMERICAN HERITAGE LIFE INSURANCE CO | $3K | — | $3K | 5.01% |
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 | 1,854 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 872 | $1.1M |
| Dental | DENTIST DIRECT, LLC | 831 | $476K |
| Vision | OPTICARE VISION SERVICES | 1,804 | $83K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,579 | $219K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $76K |
| Long-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,579 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,804 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.