| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC-SALT LAKE CITY BRIAN CARTER | 95 STATE ST SUITE 1300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $123K | $21K | $144K | 4.68% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SVCS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA | $13K | $0 | $13K | 4.98% |
| IMA, INC.3 Filed as: IMA INC(KS) | PO BOX 2992 WICHITA, KS 67201 | CIGNA | $13K | $0 | $13K | 4.94% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $17K | $2K | $20K | 14.15% |
| DIVERSIFIED INSURANCE GROUP4 | 136 E. SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 26.19% |
| D'ANN DABELL4 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 15.79% |
| AARON C KREPS4 | 1830 N PINECREST CANYON RD SALT LAKE CITY, UT 84108 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $92 | $0 | $92 | 1.27% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SVCS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF FLORIDA | $179 | $0 | $179 | 5.01% |
| IMA, INC.3 Filed as: IMA INC(KS) | PO BOX 2992 WICHITA, KS 67201 | CIGNA DENTAL HEALTH OF FLORIDA | $178 | $0 | $178 | 4.98% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SVCS | PO BOX 2992 STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF TEXAS | $142 | $0 | $142 | 5.02% |
| IMA, INC.3 Filed as: IMA INC(KS) | PO BOX 2992 WICHITA, KS 67201 | CIGNA DENTAL HEALTH OF TEXAS | $141 | $0 | $141 | 4.99% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT INSURANCE | 136 E. SOUTH TEMPLE SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF CALIFORNIA | $97 | $0 | $97 | 5.01% |
| IMA, INC.3 Filed as: IMA INC (KS) | PO BOX 2992 WICHITA, KS 67201 | CIGNA DENTAL HEALTH OF CALIFORNIA | $96 | $0 | $96 | 4.96% |
| IMA, INC.3 Filed as: IMA INC(KS) | PO BOX 2992 WICHITA, KS 67201 | CIGNA DENTAL HEALTH OF OHIO | $30 | $0 | $30 | 5.04% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SVCS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF OHIO | $30 | $0 | $30 | 5.04% |
| IMA, INC.3 Filed as: IMA INC(KS) | PO BOX 2992 WICHITA, KS 67201 | CIGNA DENTAL HEALTH OF KANSAS | $7 | $0 | $7 | 4.70% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SVCS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF KANSAS | $7 | $0 | $7 | 4.70% |
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 | 841 | 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) | 841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 841 | $3.1M |
| Dental(6 contracts, 6 carriers) | CIGNA | 268 | $262K |
| Vision | CIGNA | 268 | $253K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 345 | $139K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 345 | $139K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 345 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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.
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.