| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLER & WADE INSURANCE AGENCY Filed as: MILLER WADE GROUP | 3200 W CLUBHOUSE DR. 225 LEHI, UT 84003 | REGENCE BLUE CROSS BLUE SHIELD | $82K | — | $82K | — |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: REGENCE BCBS ERSIG | 2890 E COTTONWOOD PKWY COTTONWOOD HEIGHTS, UT 84121 | REGENCE BLUE CROSS BLUE SHIELD | $61K | — | $61K | — |
| ARNELL INSURANCE GROUP | 1466 WALKER LANE FARMINGTON, UT 84025 | REGENCE BLUE CROSS BLUE SHIELD | $12K | — | $12K | — |
| EMI HEALTH Filed as: EMI ERSIG | 5101 S COMMERCE DRIVE MURRAY, UT 84107 | REGENCE BLUE CROSS BLUE SHIELD | $11K | — | $11K | — |
| MOTIVE HEALTH ERSIG | 10421 S JORDAN GATEWAY STE 300 SOUTH JORDAN, UT 84095 | REGENCE BLUE CROSS BLUE SHIELD | $7K | — | $7K | — |
| SUPERIOR VISION Filed as: SUPERIOR VISION ERSIG | 11101 WHITE ROCK ROAD STE 150 RANCHO CORDOVA, CA 95670 | REGENCE BLUE CROSS BLUE SHIELD | $3K | — | $3K | — |
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 | 563 | 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) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE CROSS BLUE SHIELD | 279 | $0 |
| Prescription drug | REGENCE BLUE CROSS BLUE SHIELD | 279 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.