| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 2500 WEST EXECUTIVE PARKWAY LEHI, UT 84043 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $71K | — | $71K | 6.44% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 0.59% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2500 WEST EXECUTIVE PARKWAY LEHI, TX 84043 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $29K | — | $29K | 6.39% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE STE 325 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.52% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 84043 | METROPOLITAN LIFE INSURANCE COMAPNY | $7K | — | $7K | 10.31% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $664 | $0 | $664 | 5.48% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 84043 | SAFEGUARD HEALTH PLANS INC, A CALIFORNIA CORPORATION | $1K | $0 | $1K | 11.96% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 46 | $455K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMAPNY | 301 | $82K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 172 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMAPNY | 301 | $70K |
| Other | METROPOLITAN LIFE INSURANCE COMAPNY | 301 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.