| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORKMAN INSURANCE GROUP | 8648 ALTA COVE DRIVE SANDY, UT 84093 | SELECT HEALTH | $17K | — | $17K | 3.64% |
| STONE HILL & ASSOC INS BRK INC | 257 EAST 200 SOUTH 100 SALT LAKE CITY, UT 84111 | SELECT HEALTH | — | $6K | $6K | 1.24% |
| WORKMAN INSURANCE GROUP | 8648 ALTA COVE DRIVE SANDY, UT 84093 | DENTIST DIRECT, LLC | $2K | — | $2K | 6.00% |
| WORKMAN INSURANCE GROUP | 8648 S ALTA COVE DRIVE SANDY, UT 84093 | HEALTHIEST YOU | $1K | — | $1K | 15.00% |
| WORKMAN INSURANCE GROUP | 8648 ALTA COVE DRIVE SANDY, UT 84093 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $696 | — | $696 | 9.97% |
| WORKMAN INSURANCE GROUP Filed as: WORKMAN INSURANCE GROUP, LLC | PO BOX 901298 SANDY, UT 84090 | AMALGAMATED LIFE | $411 | — | $411 | 9.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAURA K. SMITH EIN 57-2934724 UNION MEMBER | Employee (plan) Service code 30 | 3878 HALLMARK DRIVE WEST VALLEY CITY, UT 84119 | $36K |
| DAN HUTTEN UNION MEMBER | Plan Administrator Service code 14 | 173 Q STREET SALT LAKE CITY, UT 84103 | $28K |
| HAYNIE & COMPANY EIN 87-0325228 AUDITOR | Accounting (including auditing) Service code 10 | 50 WEST BROADWAY SUITE 600 SALT LAKE CITY, UT 84101 | $18K |
| SORENSEN, VANCE, AND COMPANY EIN 87-0439430 AUDITOR | Accounting (including auditing) Service code 10 | 3115 EAST LION LANE SUITE 220 SALT LAKE CITY, UT 84121 | $12K |
| ROBERT CHASE EIN 52-8889380 UNION MEMBER (PART YEAR) | Employee (plan) Service code 30 | 3416 SOUTH 2410 EAST SALT LAKE CITY, UT 84109 | $8K |
| CALLISTER NEBEKER & MCCULLOUGH LAWYER | Legal Service code 29 | 10 EAST SOUTH TEMPLE SUITE 900 SALT LAKE CITY, UT 84133 | $7K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECT HEALTH | 70 | $474K |
| Dental | DENTIST DIRECT, LLC | 64 | $27K |
| Life insurance(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 76 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.