| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $148K | $166K | 2.20% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS SVCS | 136 EAST SOUTH TEMPLE, SUITE 2300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $89K | $125K | 1.66% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE, SUITE 400 WICHITA, KS 67202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $186 | $27K | 6.14% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 1.83% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 1.40% |
| DIVERSIFIED INSURANCE GROUP3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 2.97% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE, SUITE 400 WICHITA, KS 67202 | UNUM INSURANCE COMPANY | $10K | $165 | $10K | 14.63% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 1.96% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $946 | $0 | $946 | 1.39% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 12.16% |
| IMA, INC.4 | 95 SOUTH STATE, SUITE 1300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $703 | $0 | $703 | 6.89% |
| D'ANN DABELL4 Filed as: D ANN DABELL | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $209 | $0 | $209 | 2.05% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 15305 DALLAS PARKWAY, SUITE 1100 ADDISON, TX 75001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | $0 | $35 | 0.34% |
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 | 625 | 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) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,480 | $7.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,480 | $7.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,480 | $7.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 625 | $433K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 625 | $433K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 625 | $433K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,480 | $7.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 625 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,480 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.