| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 95 STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $5K | $1K | $7K | 1.35% |
| PCF INSURANCE SERVICES OF THE WEST3 | 199 NORTH 290 WEST, SUITE 200 LINDON, UT 84042 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 4.43% |
| IMA, INC.3 | 95 STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP. | $725 | $0 | $725 | 1.57% |
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | PO BOX 7 OREM, UT 84059 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 10.28% |
| IMA, INC.3 | 95 STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 3.33% |
| PLANSIGHT, INC.3 | 2500 EXECUTIVE PARKWAY, SUITE 140 LEHI, UT 84043 | HARTFORD LIFE AND ACCIDENT | $0 | $655 | $655 | 1.46% |
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | 213 CONRAD STREET NEW ORLEANS, LA 70124 | HARTFORD LIFE AND ACCIDENT | $0 | $132 | $132 | 0.29% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 80 | $487K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 96 | $46K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 96 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 129 | $45K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $45K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $45K |
| Prescription drug | SELECTHEALTH | 80 | $487K |
| Other | HARTFORD LIFE AND ACCIDENT | 129 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.