| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $30K | $97 | $30K | 2.30% |
| KBEN INSURANCE SERVICES, INC.3 | 5075 SOUTH 1500 WEST OGDEN, UT 84405 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $9K | $1K | $10K | 0.80% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | USABLE LIFE | $16K | $0 | $16K | 7.91% |
| KBEN INSURANCE SERVICES, INC.3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | USABLE LIFE | $9K | $0 | $9K | 4.28% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP | $5K | $0 | $5K | 4.22% |
| KEYES INSURANCE SERVICES3 Filed as: KEYES INSURANCE SERVICES, INC. | 5075 SOUTH 1500 WEST OGDEN, UT 84405 | AMERITAS LIFE INSURANCE CORP | $2K | $1K | $3K | 2.66% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SVCS | 136 EAST SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.72% |
| KEYES INSURANCE SERVICES3 Filed as: KEYES INSURANCE SERVICES, INC. | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $967 | $0 | $967 | 2.28% |
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | LIFEMAP ASSURANCE COMPANY | $1K | $0 | $1K | 3.42% |
| KBEN INSURANCE SERVICES, INC.3 | 5075 SOUTH 1500 WEST RIVERDALE, UT 84405 | LIFEMAP ASSURANCE COMPANY | $487 | $0 | $487 | 1.58% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 287 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 378 | $124K |
| Vision | LIFEMAP ASSURANCE COMPANY | 155 | $31K |
| Life insurance | USABLE LIFE | 277 | $207K |
| Short-term disability | USABLE LIFE | 277 | $207K |
| Long-term disability | USABLE LIFE | 277 | $207K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF UTAH | 287 | $1.3M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 277 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.