| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $4K | $27K | 13.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF UTAH, INC. | 201 SOUTH MAIN STREET, SUITE 2100 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 10.77% |
| JOHNSON RESOURCES3 | 10801 EAST HAPPY VALLEY ROAD UNIT 78 SCOTTSDALE, AZ 85255 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 2.15% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS, INC. | 886 EAST 3200 NORTH KAMAS, UT 84036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $57 | $2K | 7.45% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $186 | $1K | 5.07% |
| JILL HUGHES3 | 6510 SOUTH TAMRA DRIVE TAYLORSVILLE, UT 84129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $764 | $27 | $791 | 3.16% |
| ALTON B BARTON3 Filed as: ALTON B. BARTON | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $280 | $638 | 2.55% |
| DESIREE ROBERTSON3 | 5691 SOUTH STONE BLUFF WAY SALT LAKE CITY, UT 84118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $1 | $118 | 0.47% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE AND VARIOUS AGENT | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $13 | $72 | 0.29% |
| PATTI A VINCENT3 Filed as: PATTI A. VINCENT | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.19% |
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 | 868 | 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) | 868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 629 | $53K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 868 | $207K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 868 | $207K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 868 | $207K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 868 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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.