| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | — | $70K | $70K | 7.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS BENEFIT SERVICES | SUITE 2300 136 EAST SOUTH TEMPLE SALT LAKE CITY, UT 84111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 2.63% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 E SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $5K | $23K | 44.17% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $645 | — | $645 | 1.23% |
| HIGH POINT ALLIANCE4 | 3575 HONEYCOMB RD SALT LAKE CITY, UT 84121 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $7K | — | $7K | 27.04% |
| PARRISH & ASSOCIATES4 Filed as: PARRISH & ASSOSIATES | 4959 MEADOW BROOK RD. BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $219 | — | $219 | 0.89% |
| BRAD COLOVICH & ASSOC INC4 Filed as: BRAD COLOVICH & ASSOCIATES INC. | 115 N CENTER ST. MIDWAY, UT 84049 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $123 | — | $123 | 0.50% |
| DIVERISIFIED INSURANCE BENEFIT SERV3 | 136 E SOUTH TEMPLE, STE 2300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $57K | — | $57K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF UTA EIN 87-0200138 CLAIMS PROCESSING SERVICE | Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $421K |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMIN | Claims processing Service code 12 | — | $217K |
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 | 785 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 1,999 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 738 | $53K |
| Vision | VISION SERVICE PLAN | 694 | $133K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 785 | $663K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 785 | $663K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 785 | $663K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 812 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,999 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.