| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURT HOLMSTEAD AGENCY, INC.3 | PO BOX 471 AMERICAN FORK, UT 84003 | SELECT HEALTH | $25K | $4K | $29K | 2.32% |
| IMA, INC.3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | SELECT HEALTH | $23K | $5K | $28K | 2.26% |
| KURT HOLMSTEAD AGENCY, INC.3 | PO BOX 471 AMERICAN FORK, UT 84003 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 5.00% |
| IMA, INC.3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 5.00% |
| KURT HOLMSTEAD AGENCY, INC.3 | PO BOX 471 AMERICAN FORK, UT 84003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.55% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE, SUITE 400 WICHITA, KS 67202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.71% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $711 | $711 | 1.07% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 263 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 257 | $109K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 257 | $109K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $67K |
| Prescription drug | SELECT HEALTH | 263 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.