| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALKER INSURANCE AGENCY3 Filed as: WALKER INSURANCE AGENCY 156 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $9K | — | $9K | 9.91% |
| WALKER INSURANCE AGENCY3 Filed as: WALKER INSURANCE AGENCY PC | 5525 S 900 E STE 100 SALT LAKE CITY, UT 84117 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 72.70% |
| DPW BENEFITS LLC3 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | OPTICARE OF UTAH | $2K | — | $2K | 10.00% |
| DPW BENEFITS LLC3 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.72% |
| DPW BENEFITS LLC3 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| DPW BENEFITS LLC3 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.68% |
| WALKER INSURANCE AGENCY3 Filed as: WALKER INSURANCE AGENCY 156 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $1K | $0 | $1K | 6.86% |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 229 | $104K |
| Vision | OPTICARE OF UTAH | 99 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $18K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $50K |
| Other(3 contracts, 2 carriers) | OPTICARE OF UTAH | 238 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.