| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPINE INSURANCE AGENCY3 | BEVERLY J TOME 1020 EAST 800 NORTH OREM, UT 84097 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | $8K | — | $8K | 3.28% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFITS SOLUTIONS | BEVERLY J TOM 2353 BEAR HILLS CIRCLE DRAPER, UT 84020 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | $6K | — | $6K | 2.73% |
| BEVERLY J HOLLOWAY3 | 1020 EAST 800 NORTH OREM, UT 84097 | HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 11.13% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.52% |
| ALPINE INSURANCE AGENCY3 | BEVERLY J TOM 1020 EAST 800 NORTH OREM, UT 84097 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | $493 | — | $493 | 3.55% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFITS SOLUTIONS | BEVERLY J TOM 2353 BEAR HILLS CIRCLE DRAPER, UT 84020 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | $341 | — | $341 | 2.45% |
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 | 1,106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | 1,106 | $238K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | 246 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 885 | $195K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 885 | $195K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 885 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,106 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.