| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE | PO BOX 571431 MURRAY, UT 84157 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $70K | $8K | $77K | 4.46% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE | 4393 S RIVERBOAT RD STE 200 SALT LAKE CITY, UT 84123 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $3K | $23K | 16.78% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 4.99% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE | 4393 S RIVERBOAT RD STE 200 SALT LAKE CITY, UT 84123 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.60% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE | 4393 S RIVERBOAT RD STE 200 TAYLORSVILLE, UT 84123 | VISION SERVICE PLAN | $1K | — | $1K | 5.09% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 152.82% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE | 4393 S RIVERBOAT RD STE 200 SALT LAKE CITY, UT 84123 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $113 | — | $113 | 15.15% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 87 | $1.7M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 86 | $82K |
| Vision | VISION SERVICE PLAN | 89 | $25K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 96 | $138K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 96 | $137K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 96 | $138K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.