| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECTRA MANAGEMENT, LLC3 Filed as: SPECTRA MANAGEMENT | 75 W TOWNE RIDGE PARKWAY STE 400 SANDY, UT 84070 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $41K | $47K | 4.71% |
| VENTRIS, LLC3 Filed as: VENTRIS LLC | 10913 S RIVER FRONT PKWY #100 SOUTH JORDAN, UT 84095 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.25% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $251 | $0 | $251 | 0.03% |
| SPECTRA MANAGEMENT, LLC3 Filed as: SPECTRA MANAGEMENT LLC | 75 W TOWNE RIDGE PKWY TWR 2 #400 SANDY, UT 84070 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.77% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SERV | 136 E SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $732 | — | $732 | 6.23% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 325 | $994K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.