| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SVCS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $146K | — | $146K | 2.29% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 0.71% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 3.73% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS, INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $150 | $6K | 1.60% |
| IMA, INC.3 Filed as: IMA | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.83% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FNCL SVCS | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.03% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $334 | $334 | 0.33% |
| IMA, INC.3 Filed as: IMA | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.67% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FNCL SVCS | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 5.32% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $200 | $200 | 0.34% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | FEDERAL INSURANCE COMPANY | $912 | $213 | $1K | 18.50% |
| IMA, INC.3 Filed as: IMA, INC | 136 EAST SOUTH TEMPLE, #2300 SALT LAKE CITY, UT 84111 | FEDERAL INSURANCE COMPANY | $720 | — | $720 | 14.99% |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,156 | $6.7M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 616 | $100K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 616 | $58K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,156 | $6.7M |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 616 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,156 | — |
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."
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.
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.