| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $49K | $16K | $65K | 4.36% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $4K | $1K | $6K | 4.29% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 EAST WINCHESTER #200 SALT LAKE CITY, UT 84107 | COMPANION LIFE INS CO. GROUP DENTAL INDEMNITY PLAN | $4K | — | $4K | 7.93% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER #200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10 | $10 | 0.03% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER # 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.54% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11 | $11 | 0.04% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 EAST WINCHESTER #200 SALT LAKE CITY, UT 84107 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $2K | — | $2K | 7.73% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE M HOPKINS INS AGCY LUTCF, P | 5411 SOUTH VINE STREET UNIT 4 SUITE MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $175 | $1K | 9.59% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER SALT LAKE CITY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.49% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 1.29% |
| PAM ANDERSON & ASSOCIATES INC3 | 5411 SOUTH VINE STREET MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.20% |
| PATTI A VINCENT3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.15% |
| STEVEN J FARRINGTON3 | 902 WEST HALSTEAD DRIVE NORTH SALT LAKE, UT 84054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 EAST WINCHESTER STREET #200 MURRAY, UT 84107 | OPTICARE OF UTAH | $1K | — | $1K | 10.00% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER # 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.92% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4 | $4 | 0.04% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 418 | $1.6M |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INS CO. GROUP DENTAL INDEMNITY PLAN | 54 | $72K |
| Vision | OPTICARE OF UTAH | 59 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $43K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 24 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $28K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.