| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER ST STE 200 SALT LAKE CITY, UT 76607 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | $138K | $159K | 4.01% |
| BIG BENEFIT CORP3 | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $45K | $55K | 1.38% |
| FOSTER BENEFIT RESOURCES INC3 | 15660 DALLAS PWKY STE 500 DALLAS, TX 75248 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 0.34% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER ST STE 200 SALT LAKE CITY, UT 76607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.88% |
| BIG BENEFIT CORP3 | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.12% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER ST STE 200 SALT LAKE CITY, UT 76607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.74% |
| BIG BENEFIT CORP3 | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.26% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER ST STE 200 SALT LAKE CITY, UT 76607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.44% |
| BIG BENEFIT CORP3 | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.56% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER ST STE 200 SALT LAKE CITY, UT 76607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.90% |
| BIG BENEFIT CORP3 | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $695 | $0 | $695 | 3.43% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER ST STE 200 SALT LAKE CITY, UT 76607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.45% |
| BIG BENEFIT CORP3 | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.55% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER ST STE 200 SALT LAKE CITY, UT 76607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $657 | $0 | $657 | 8.35% |
| BIG BENEFIT CORP3 | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $295 | $0 | $295 | 3.75% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER ST STE 200 SALT LAKE CITY, UT 76607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $743 | $0 | $743 | 10.12% |
| BIG BENEFIT CORP3 | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $358 | $0 | $358 | 4.88% |
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 | 572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 720 | $4.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 720 | $4.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 720 | $4.0M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $67K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $20K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.