| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CELIA NASH INSURANCE3 | 2005 EAST 2700 SOUTH STE 140 SALT LAKE CITY, UT 84109 | SELECTHEALTH, INC | $37K | $8K | $45K | 2.82% |
| CELIA NASH INSURANCE3 | 2005 E 2700 S STE 140 SALT LAKE CITY, UT 841091759 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.34% |
| CELIA NASH INSURANCE3 Filed as: CELIA NASH INSURANCE LC | 2005 E 2700 S STE 140 SALT LAKE CITY, UT 84109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 10.00% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH, INC | 445 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $162K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $162K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $89K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $89K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $89K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.