| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOD VALENTINE3 | 302 W 5400 S SUITE 101 SALT LAKE CITY, UT 84107 | MOTIVHEALTH | $39K | $0 | $39K | 5.00% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | 302 W 5400 S SUITE 101 MURRAY, UT 84107 | DENTIST DIRECT LLC | $7K | $0 | $7K | 10.00% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE HOPKINS | 1063 W ALBION VIEW CIR WEST JORDAN, UT 84088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 18.96% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | PO BOX 571431 MURRAY, UT 84157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.76% |
| PAM ANDERSON & ASSOCIATES INC3 | 130 W 8600 S MIDVALE, UT 84047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.45% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY INC. | 302 W 5400 S SUITE 101 MURRAY, UT 84107 | LIFEMAP ASSURANCE COMPANY | $5K | $0 | $5K | 16.44% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY INC | 302 W 5400 S SUITE 101 MURRAY, UT 84107 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BEEHIVE INSURANCE AGENCY BROKER | Other commissions Service code 55 | 302 W 5600 S SUITE 101 MURRAY, UT 84107 | $55K |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTIST DIRECT LLC | 80 | $67K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 70 | $14K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 116 | $32K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 116 | $32K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 116 | $32K |
| Prescription drug | MOTIVHEALTH | 206 | $774K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH | 206 | $774K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.