| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEANA HUTCHINGS3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | MOTIVHEALTH | $46K | $0 | $46K | 4.99% |
| IMA, INC.3 Filed as: IMA,INC. | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 841111659 | AMERITAS LIFE INSURANCE CORP | $15K | $0 | $15K | 14.33% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 802021622 | AMERITAS LIFE INSURANCE CORP | $0 | $313 | $313 | 0.29% |
| IMA, INC.3 Filed as: IMA,INC. | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | GUARDIAN | $8K | $0 | $8K | 12.14% |
| IMA, INC.3 Filed as: IMA,INC. | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | GUARDIAN | $3K | $0 | $3K | 22.60% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 108 | $106K |
| Vision | AMERITAS LIFE INSURANCE CORP | 108 | $106K |
| Life insurance | GUARDIAN | 135 | $65K |
| Long-term disability | GUARDIAN | 135 | $65K |
| Prescription drug | MOTIVHEALTH | 398 | $913K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH | 398 | $913K |
| Other(2 contracts) | GUARDIAN | 135 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.