| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | UNITED HELATHCARE INSURANCE COMPANY | $4K | $0 | $4K | 4.40% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| IMA, INC.3 Filed as: IMA, INC | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE | $450 | $40 | $490 | 4.87% |
| IMA, INC.3 Filed as: IMA, INC | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE | $228 | $9 | $237 | 14.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX,IMC EIN 33-0441200 RX BENEFIT MANAGEMENT | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $136K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $103K |
| DIVERSIFIED INSURANCE GROUP BROKER | Other commissions Service code 55 | 136 E TEMPLE #2300 SALT LAKE CITY, UT 84111 | $60K |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HELATHCARE INSURANCE COMPANY | 397 | $85K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 144 | $23K |
| Life insurance | UNUM LIFE INSURANCE | 198 | $10K |
| Other(3 contracts, 2 carriers) | TOKIO MARINE HCC | 208 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.