| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AETNA LIFE INSURANCE CO. | $0 | $9K | $9K | 0.16% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 E SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $0 | $39K | 9.89% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.37% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.54% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 E SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.72% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.06% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.42% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $2K | $0 | $2K | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF TEXAS INC | $2K | $0 | $2K | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF PENNSYLVANIA INC | $542 | $0 | $542 | 9.99% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF OHIO INC | $507 | $0 | $507 | 10.01% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF ILLINOIS, INC | $462 | $0 | $462 | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH PLAN OF ARIZONA INC | $426 | $0 | $426 | 9.99% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF FLORIDA INC | $364 | $0 | $364 | 10.01% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $344 | $0 | $344 | 10.01% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF VIRGINIA INC | $344 | $0 | $344 | 10.01% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF COLORADO INC | $301 | $0 | $301 | 9.99% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF NORTH CALIFORNIA INC | $246 | $0 | $246 | 10.02% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF MISSOURI, INC | $179 | $0 | $179 | 10.02% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTHOF MARYLAND, INC | $134 | $0 | $134 | 10.01% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF KANSAS, INC | $96 | $0 | $96 | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF KENTUCKY, INC | $45 | $0 | $45 | 10.09% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 EAST SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF DELAWARE INC | $18 | $0 | $18 | 10.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED INSURANCE BENEFIT SERVI SERVICE | Other fees Service code 99 | 136 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 | $160K |
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 | 2,778 | 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) | 2,778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,418 | $5.8M |
| Dental(17 contracts, 17 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,144 | $471K |
| Vision(2 contracts) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 821 | $217K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,778 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,319 | $217K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,778 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,778 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.