| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCEAGENCY INC | PO BOX 571431 SALT LAKE CITY, UT 84157 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 12.84% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY / TODD VAL | 4393 SOUTH RIVERBOAT ROAD SUITE 200 SALT LAKE CITY, UT 84123 | VISION SERVICE PLAN | $1K | — | $1K | 6.00% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE | 4393 SOUTH RIVERBOAT ROAD SUITE 200 SALT LAKE CITY, UT 84123 | RECURO HEALTH, INC | $1K | — | $1K | 24.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $133K |
| BEEHIVE INSURANCE AGENCY INC EIN 87-0257607 BROKER | Other commissions Service code 55 | PO BOX 571431 SALT LAKE CITY, UT 84157 | $44K |
| EDUCATORS HEALTH PLANS LIFE, ACCIDE EIN 20-4023720 CLAIMS PROCESSING | Claims processing Service code 12 | 5101 SOUTH COMMERCE DRIVE MURRAY, UT 84107 | $13K |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 152 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 186 | $84K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 186 | $84K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $530K |
| Other(2 contracts, 2 carriers) | BLOMQUIST HALE SOLUTIONS | 198 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.