| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE, #2300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLANS, INC. | $91K | $0 | $91K | 6.36% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVENUE, SUITE 500 CAMPBELL, CA 950080667 | KAISER FOUNDATION HEALTH PLANS, INC. | -$34K | $0 | -$34K | -2.39% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE, #2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $10K | $19K | 9.82% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE, #2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $6K | $26K | 20.16% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE, #2300 SALT LAKE CITY, UT 84111 | GUARDIAN | $1K | $0 | $1K | 0.98% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE, #2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $18K | 20.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 95 STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $4K | $0 | $4K | — |
| IMA, INC.3 Filed as: IMA INC | 95 STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $57K | $0 | $57K | — |
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 | 1,334 | 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) | 1,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 778 | $1.4M |
| Dental | GUARDIAN | 991 | $103K |
| Vision | GUARDIAN | 991 | $103K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,334 | $281K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 473 | $129K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,334 | $190K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SWISS RE CORPORATE SOLUTIONS | 524 | $587K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,334 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,334 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.