| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLDENWEST INSURANCE SERVICES3 | 370 E SOUTH TEMPLE STE 300 SLC, UT 84111 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 9.66% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 5.34% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84158 | OPTICARE OF UTAH | $314 | — | $314 | 3.61% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES | 370 E SOUTH TEMPLE STE 200 SLC, UT 84111 | STANDARD INSURANCE COMPANY | $525 | — | $525 | 9.95% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES, INC. | 370 E STOUTH TEMPLE STE 200 SLC, UT 84111 | HARTFORD LIFE AND ACCIDENT | $360 | $0 | $360 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $104K |
| EDUCATORS MUTUAL PLANS LIFE, ACCIDE EIN 20-4023720 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 852 E. ARROWHEAD LANE MURRAY, UT 84104 | $18K |
| UNIVERSITY OF UTAH HEALTH INSURANCE EIN 47-2293857 THRID PARTY CLAIMS PROCES | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $1K |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | OPTICARE OF UTAH | 68 | $9K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 225 | $42K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 34 | $37K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 34 | $37K |
| Other(2 contracts, 2 carriers) | BEHAVIORAL HEALTH STRATEGIES,LLC | 297 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
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.