| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.51% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.76% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FLOOR CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $535 | $535 | 0.25% |
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $2K | $546 | $3K | 1.89% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS | 830 N MAIN STREET SUITE 200 MERIDIAN, ID 83642 | SELECTHEALTH | $1K | — | $1K | 0.90% |
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP. | $3K | $1K | $4K | 9.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 3.30% |
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | LIFEMAP ASSURANCE COMPANY | $554 | — | $554 | 5.48% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFEMAP ASSURANCE COMPANY | $454 | — | $454 | 4.49% |
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 | 993 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 35 | $160K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $215K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 622 | $43K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 966 | $10K |
| Other(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 966 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 966 | — |
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.