| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84115 | DELTA DENTAL INSURANCE COMPANY | $23K | — | $23K | 3.56% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL INSURANCE COMPANY | $16K | — | $16K | 2.44% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS BENEFIT SERVICES | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84115 | PURDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 2.48% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | PURDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.45% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PURDENTIAL INSURANCE COMPANY OF AMERICA | — | $247 | $247 | 0.05% |
| DIVERSIFIED INSURANCE GROUP3 | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 8.15% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.73% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT | $12K | $2K | $14K | 13.32% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 6.63% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $14K | — | $14K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUCROSS BLUESHIELD OF UTAH EIN 87-0200138 CLAIMS PROCESSING | Direct payment from the plan; Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Other services; Float revenue Service code 12 | — | $1.1M |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $163K |
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 | 1,412 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 497 | $0 |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,410 | $641K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,037 | $124K |
| Life insurance | PURDENTIAL INSURANCE COMPANY OF AMERICA | 1,453 | $549K |
| Short-term disability(2 contracts, 2 carriers) | PURDENTIAL INSURANCE COMPANY OF AMERICA | 1,453 | $651K |
| Long-term disability | PURDENTIAL INSURANCE COMPANY OF AMERICA | 1,453 | $549K |
| Other(2 contracts, 2 carriers) | PURDENTIAL INSURANCE COMPANY OF AMERICA | 1,453 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,410 | — |
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.