| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CERVA BROWNING QUINN & CO3 | 4746 S 900 E #210 SALT LAKE CITY, UT 84117 | UNIVERSITY OF UTAH HEALTH INSURANCE PLANS | $186K | — | $186K | 3.23% |
| AVREC3 | 4746 S 900 E #210 SALT LAKE CITY, UT 84117 | UNIVERSITY OF UTAH HEALTH INSURANCE PLANS | — | $186K | $186K | 3.23% |
| DAVID CERVA3 | 4746 S 900 E STE 210 SALT LAKE CITY, UT 841174987 | BLUECROSS BLUESHIELD OF MONTANA | $17K | — | $17K | 3.80% |
| CERVA BROWNING QUINN & CO3 | 4746 S 900 E STE 210 SALT LAKE CITY, UT 841174987 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $1K | $21K | 10.81% |
| CERVA BROWNING QUINN & CO3 | 4746 S 900 E STE 210 SALT LAKE CITY, UT 841174987 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 5.79% |
| CERVA BROWNING QUINN & CO3 Filed as: CERVA BROWNING QUINN & CO. | 4746 900 E #210 SALT LAKE CITY, UT 84117 | AMERITAS LIFE INSURANCE CORP | $9K | $18K | $27K | — |
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 | 1,088 | 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) | 1,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY OF UTAH HEALTH INSURANCE PLANS | 1,088 | $6.2M |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 806 | $289K |
| Vision(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 806 | $310K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 806 | $289K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 806 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,088 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.