| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN D. COOMBS3 Filed as: BRIAN CARTER | 136 EAST SOUTH TEMPLE #200 SALT LAKE CITY, UT 84111 | MOTIVEHEALTH INSURANCE COMPANY | $30K | $0 | $30K | 0.73% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | GUARDIAN | $50K | $2K | $52K | 17.76% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $4K | $0 | $4K | 1.50% |
| DIVERSIFIED INSURANCE GROUP3 | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.02% |
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 | 513 | 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) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 513 | $291K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,546 | $55K |
| Life insurance | GUARDIAN | 513 | $291K |
| Short-term disability | GUARDIAN | 513 | $291K |
| Long-term disability | GUARDIAN | 513 | $291K |
| Prescription drug | MOTIVEHEALTH INSURANCE COMPANY | 1,682 | $4.1M |
| Stop-loss / reinsurancereinsurance | MOTIVEHEALTH INSURANCE COMPANY | 1,682 | $4.1M |
| Other | GUARDIAN | 513 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,682 | — |
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.
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.