| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1100 E 6600 S STE 280 SALT LAKE CITY, UT 84121 | REGENCE BLUESHIELD OF IDAHO, INC. | — | — | $0 | 0.00% |
| CUSTOM INSURANCE SPECIALISTS INC3 | 886 E 3200 N KAMAS, UT 84036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $1K | $27K | 10.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 1100 E 6600 S SALT LAKE CITY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $0 | $25K | 9.46% |
| DESIREE ROBERTSON3 | 5691 S STONE BLUFF WAY TAYLORSVILLE, UT 84118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $203 | $8K | 3.18% |
| JILL HUGHES3 | 6510 TAMARA DRIVE SALT LAKE CITY, UT 84129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $319 | $7K | 2.70% |
| NELLYN COX3 | 15825 EAST SUNFLOWER DR FOUNTAIN HILLS, AZ 85268 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $114 | $2K | 0.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $60 | $21K | 13.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.17% |
| USI INSURANCE SERVICES LLC3 | 1100 E 6600 S STE 280 MURRAY, UT 841215031 | AMERITAS LIFE INSURANCE CORP | $5K | $0 | $5K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 1100 E 6600 S STE 280 MURRAY, UT 841215031 | AMERITAS LIFE INSURANCE CORP | $1K | $0 | $1K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FWY STE 500 HOUSTON, TX 770241227 | AMERITAS LIFE INSURANCE CORP | $0 | $383 | $383 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC. EIN 82-0206874 CLAIMS PROCESSING SERVICE | Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $279K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 685011889 | $25K |
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 | 355 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 1,084 | $456K |
| Dental | AMERITAS LIFE INSURANCE CORP | 336 | $0 |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 355 | $49K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 682 | $421K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,084 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.