| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN D. COOMBS3 Filed as: BRIAN CARTER | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | METROPOLITAN GENERAL INSURANCE COMPANY | $242 | $0 | $242 | 0.01% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP. | $33K | $0 | $33K | 8.43% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SVCS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP. | $6K | $0 | $6K | 1.57% |
| IMA, INC.3 Filed as: IMA INC | 1705 17 ST STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | $0 | $6K | $6K | 1.48% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.73% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.75% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.74% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.75% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.73% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.74% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 21.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $515 | $42 | $557 | 1.68% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.06% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $694 | $694 | 2.61% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $5K | $0 | $5K | 24.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $311 | $26 | $337 | 1.78% |
| BRIAN D. COOMBS3 Filed as: BRIAN CARTER | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $826 | $20 | $846 | 10.13% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $821 | $0 | $821 | 15.01% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $164 | $164 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF UT EIN 87-0200138 CLAIMS PROCESSING | Other services; Contract Administrator; Direct payment from the plan; Claims processing; Insurance brokerage commissions and fees; Float revenue; Non-monetary compensation Service code 12 | — | $308K |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $52K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 288 | $395K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 288 | $395K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $95K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $92K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $51K |
| Other(5 contracts, 3 carriers) | METROPOLITAN GENERAL INSURANCE COMPANY | 333 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.