| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS SVCS | 136 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $79K | $0 | $79K | 6.85% |
| IMG5 | 2960 N MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $235 | $235 | 0.02% |
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $32K | $0 | $32K | 10.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17ST STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP | $0 | $7K | $7K | 2.21% |
| DIVERSIFIED INSURANCE GROUP3 | 95 S STATE STE 1300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN, INC | $3K | $0 | $3K | 6.36% |
| DIVERSIFIED INSURANCE GROUP4 | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | $0 | $7K | 15.36% |
| D'ANN DABELL4 Filed as: D ANN DABELL | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 6.37% |
| AARON C KREPS4 | 1830 N PINECREST CANYON RD SALT LAKE CITY, UT 84108 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $66 | $0 | $66 | 0.14% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $300 | $600 | $900 | 3.00% |
| IMA, INC.3 Filed as: IMA INC | 95 STATE STREET STE 1300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $16K | $0 | $16K | — |
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 | 1,298 | 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) | 1,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 893 | $59K |
| Vision | AMERITAS LIFE INSURANCE CORP | 2,763 | $322K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,298 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,298 | $1.2M |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,298 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,763 | — |
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.