| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $8K | $27K | 7.86% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $575 | $0 | $575 | 0.16% |
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | STARMOUNT LIFE INSURANCE COMPANY | $24K | $5K | $29K | 12.10% |
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | UNUM INSURANCE COMPANY | $42K | $4K | $46K | 59.05% |
| DIVERSIFIED INSURANCE GROUP3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.13% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 101 SOUTH 200 EAST SUITE SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $0 | -$2K | -5.01% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 388 | $236K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 556 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $349K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $349K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $349K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.