| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALKER INSURANCE AGENCY3 | 1817 S MAIN ST., SUITE 14 SALT LAKE CITY, UT 84115 | COMPANION LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| DPW BENEFITS LLC3 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | UNITED OF OMAHA LIFE INSURANCE COMPANY-G000BHLR | $5K | $0 | $5K | 15.00% |
| DPW BENEFITS LLC3 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | UNITED OF OMAHA LIFE INSURANCE COMPANY - G000BHLR | $3K | $2K | $5K | 18.83% |
| DPW BENEFITS LLC3 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | UNITED OF OMAHA LIFE INSURANCE COMPANY-G000BHLR | $3K | $2K | $5K | 16.74% |
| DPW BENEFITS LLC3 | 5525 S 900 E SUITE 100 SALT LAKE CITY, UT 84117 | OPTICARE VISION SERVICES | $10K | $0 | $10K | 39.61% |
| WALKER INSURANCE AGENCY3 | 1817 S MAIN ST SUITE 14 SALT LAKE CITY, UT 84115 | EMI-TOTAL DENTAL ADMINISTRATORS OF UTAH | $1K | $0 | $1K | 7.00% |
| DPW BENEFITS LLC5 Filed as: DPW BENEFITS | 5525 S 900 E STE 100 SALT LAKE CITY, UT 84117 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | — |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 247 | $0 |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 304 | $146K |
| Vision | OPTICARE VISION SERVICES | 326 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY-G000BHLR | 304 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY - G000BHLR | 304 | $28K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY-G000BHLR | 326 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.