| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS BENEFIT SERVICES | 136 E S TEMPLE STE 2300 BRIAN CARTER SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $143K | $18K | $160K | 2.16% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SVC | 136 E S TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | ACE AMERICAN INSURANCE COMPANY | $38K | — | $38K | 7.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS BENEFIT SERVICES | ATTN JEANA HUTCHINGS 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | LIFEMAP ASSURANCE COMPANY | $48K | — | $48K | 10.81% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E S TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
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 | 1,633 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 2,496 | $7.4M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 1,053 | $549K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 914 | $108K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 1,633 | $440K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 1,633 | $440K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 1,633 | $440K |
| Other | LIFEMAP ASSURANCE COMPANY | 1,633 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,496 | — |
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.