| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP | $27K | $2K | $29K | 9.97% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 0.73% |
| IMA, INC.3 Filed as: IMA, INC | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 8.77% |
| IMA, INC.3 Filed as: IMA, INC | 136 E SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE OF AMERICA | $6K | $676 | $7K | 16.65% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.50% |
| IMA, INC.3 Filed as: IMA, INC | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $356 | $4K | 16.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $356K |
| DIVERSIFIED INSURANCE GROUP BROKER | Other commissions Service code 55 | 136 E SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | $166K |
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 | 422 | 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) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 961 | $294K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 306 | $40K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 422 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 422 | $80K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 417 | $836K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 422 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.