| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC Filed as: WANSUTTER INSURANCE & RISK MGMT. | 2469 FORT UNION BLVD. SALT LAKE CITY, UT 84121 | GERBER LIFE INSURANCE COMPANY | $112K | — | $112K | 12.00% |
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD STE. 210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $31K | $50K | 7.37% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $14K | $15K | 2.25% |
| WELLER INVESTMENTS INSURANCE Filed as: WELLER INVESTMENTS & INSURANCE | PO BOX 71408 SALT LAKE CITY, UT 84121 | VISION SERVICE PLAN | — | $25K | $25K | 19.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSPITAL & MEDICAL EIN 84-0747736 SERVICE PROVIDER | Claims processing Service code 12 | 700 BROADWAY STE. 600 DENVER, CO 80203 | $460K |
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 | 644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 647 | $7 |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 660 | $132K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,202 | $673K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 647 | $0 |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,202 | $673K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 662 | $935K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,202 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,202 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.