| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN D. COOMBS3 Filed as: BRIAN D. COOOMBS | 111 E. BROADWAY STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $7K | $2K | $9K | 13.11% |
| TMG AGENCY LLC3 | 111 E. BROADWAY STE1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $2K | $185 | $2K | 2.61% |
| JON MORGAN3 | 111 E. BROADWAY STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $1K | $310 | $1K | 4.60% |
| BRIAN D. COOMBS3 | 111 E. BROADWAY STE1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $1K | $279 | $1K | 4.50% |
| TMG AGENCY LLC3 | 111 E. BROADWAY STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $448 | $54 | $502 | 1.61% |
| BRIAN D. COOMBS3 | 111 E. BROADWAY STE. 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $1K | $256 | $1K | 4.83% |
| JON MORGAN3 | 111 E. BROADWAY, STE 1400 SALT LAKE CITY, UT 841115260 | NORTHWESTERN MUTUAL COMPANY | $1K | $256 | $1K | 4.83% |
| TMG AGENCY LLC3 | 111 E. BROADWAY STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $412 | $49 | $461 | 1.73% |
| BRIAN ALLAIN3 Filed as: BRIAN J.ALLAIN | 180 RIVER RD 2ND FL SUMMIT, NJ 07901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL COMPANY | 199 | $30K |
| Short-term disability | NORTHWESTERN MUTUAL COMPANY | 101 | $31K |
| Long-term disability | NORTHWESTERN MUTUAL COMPANY | 199 | $66K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.