| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JED D MINER3 Filed as: JED MINER & ASSOCIATES INSURANCE | SERVICES, INC. 1524 EAST 1110 NORTH OREM, UT 84097 | HOMETOWN HEALTH | $92K | — | $92K | 5.00% |
| MINER,JED,D3 | 1524 E 1110 N OREM, UT 840974439 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 3.32% |
| JED D MINER3 Filed as: JED MINER & ASSOCIATES INSURANCE | SERVICE 1524 E 1110 N OREM, UT 84097 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.95% |
| JED D MINER3 Filed as: JED MINER AND ASSOCIATES INS SERVIC | — | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $2K | — | $2K | 10.00% |
| JED D MINER3 | 1524 E 1110 N OREM, UT 84097 | AFLAC | $1K | $68 | $1K | 9.71% |
| CLINT ERIC WEIGHT3 | 706 S 320 E SALEM, UT 84653 | AFLAC | $71 | — | $71 | 0.53% |
| MARSHA L ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $18 | — | $18 | 0.13% |
| JUDSON T LAW3 | 1477 E WEBB CV EAGLE MOUNTAIN, UT 84005 | AFLAC | $16 | — | $16 | 0.12% |
| MAURICIO R PLATT3 | 11839 STEPHENVILLE DR FRISCO, TX 75035 | AFLAC | $14 | — | $14 | 0.10% |
| JED D MINER3 Filed as: JED MINER & ASSOCIATES INS SVCS INC | 1524 E 1110 N OREM, UT 84097 | AFLAC | $14 | — | $14 | 0.10% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT T ECHOLS | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $10 | — | $10 | 0.07% |
| DAMON R STREETMAN3 | 5894 W WILDFLOWER CT HIGHLAND, UT 84003 | AFLAC | $7 | — | $7 | 0.05% |
| MARK LUDWIG3 | 457 E 400 N BSMT SALEM, UT 84653 | AFLAC | $4 | — | $4 | 0.03% |
| MARC MICKELSEN3 | 1324 S 1900 E SALT LAKE CITY, UT 84108 | AFLAC | $2 | — | $2 | 0.01% |
| EUGENE L BOWEN JR3 | 1438 WESSEX CIR RENO, NV 89503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.53% |
| KARLA M DECRESCENZO3 | 186 SKY HAWK DR SPIRIT LAKE, ID 83869 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.53% |
| PATTI A VINCENT3 | 3489 W 10305 S SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| REYNALDO R GRAJEDA3 | 12509 GRAND AVE NE ALBUQUERQUE, NM 87123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.12% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEALTH | 125 | $1.8M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 275 | $94K |
| Vision | HOMETOWN HEALTH | 125 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 23 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12 | $19K |
| Other(3 contracts, 3 carriers) | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | 128 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.