| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNITED HELATHCARE INSURANCE COMPANY | $27K | $89K | $115K | 3.91% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 10.49% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 37.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 920 MEMORIAL CITY WAY SYE 500 HOUSTON, TX 77024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.87% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | ANTHEM BLUCE CROSS | $288 | $0 | $288 | 2.29% |
| INTERMEDIARY SOLUTIONS COMPANY4 Filed as: INTERMEDIARY SOLUTIONS CO | 5 SAWGRASS CT FRISCO, TX 75034 | PRE-PAID LEGAL SVS INC DBA LEGALSHIELD | $2K | $0 | $2K | 20.29% |
| DIVERSIFIED INSURANCE GROUP4 Filed as: DIVERSIFIED INS GROUP | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SVS INC DBA LEGALSHIELD | $1K | $0 | $1K | 14.34% |
| D'ANN DABELL4 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SVS INC DBA LEGALSHIELD | $326 | $0 | $326 | 3.91% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF TEXAS | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | PRE-PAID LEGAL SVS INC DBA LEGALSHIELD | $88 | $0 | $88 | 1.06% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | $27 | $432 | — |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $54 | $54 | — |
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 | 703 | 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) | 703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HELATHCARE INSURANCE COMPANY | 703 | $3.0M |
| Dental | ANTHEM BLUCE CROSS | 0 | $13K |
| Vision | ANTHEM BLUCE CROSS | 0 | $13K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 357 | $145K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 357 | $145K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 357 | $145K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 55 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.