| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN D. COOMBS3 | 111 E. BROADWAY STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $4K | $1K | $5K | 7.66% |
| JON MORGAN3 | 111 E. BROADWAY STE1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $2K | $505 | $3K | 3.74% |
| TMG AGENCY LLC3 | 111 E. BROADWAY STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $1K | $163 | $2K | 2.27% |
| JON MORGAN3 | 111 E. BROADWAY STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $1K | $376 | $2K | 4.34% |
| BRIAN D. COOMBS3 | 111 E. BROADWAY STE1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $1K | $267 | $1K | 3.15% |
| TMG AGENCY LLC3 | 111 E. BROADWAY STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $505 | $61 | $566 | 1.34% |
| JON MORGAN3 | 111 E. BROADWAY STE. 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $1K | $554 | $2K | 4.90% |
| BRIAN D. COOMBS3 Filed as: BRIAN D. COMBS | 111 E. BROADWAY STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $1K | $259 | $1K | 3.24% |
| TMG AGENCY LLC3 | 111 E. BROADWAY, STE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL COMPANY | $485 | $58 | $543 | 1.37% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL COMPANY | 192 | $40K |
| Short-term disability | NORTHWESTERN MUTUAL COMPANY | 83 | $42K |
| Long-term disability | NORTHWESTERN MUTUAL COMPANY | 192 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.