| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC - BRIAN CARTER | 95 STATE STREET STE 1300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $125K | $32K | $158K | 3.60% |
| IMA, INC.3 Filed as: IMA, INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 841111117 | GUARDIAN | $18K | $1K | $19K | 12.93% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $1K | $0 | $1K | 0.81% |
| IMA, INC.3 Filed as: IMA INC | 136 E. SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $6K | $15K | 12.20% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.39% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 20.58% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $520 | $0 | $520 | 1.50% |
| D'ANN DABELL4 Filed as: D ANN DABELL | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 28.91% |
| DIVERSIFIED INSURANCE GROUP4 | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 19.14% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | FIRST UNUM LIFE INSURANCE COMPANY | $788 | $196 | $984 | 25.10% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $5 | $14 | 15.56% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 976 | $4.4M |
| Dental | GUARDIAN | 379 | $149K |
| Vision | GUARDIAN | 379 | $149K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 397 | $270K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN | 397 | $270K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 397 | $270K |
| Other(5 contracts, 4 carriers) | GUARDIAN | 397 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.