| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $49K | $16K | $65K | 3.70% |
| IMA, INC.3 Filed as: IMA, INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | EQUITABLE LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.00% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 8.85% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY | $3K | $518 | $3K | 28.15% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY | $2K | $421 | $3K | 27.70% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UMUM INSURANCE COMPANY | $1K | $103 | $1K | 23.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3900 N TRAVERSE MTN BLV LEHI, UT 84043 | COLONIAL LIFE & ACCIDENT COMPANY | $25 | $0 | $25 | 8.56% |
| ELYLE GRANT SWENSON3 | 7 W MAGELLAN LN STE 2300 ELK RIDGE, UT 84651 | COLONIAL LIFE & ACCIDENT COMPANY | $16 | $0 | $16 | 5.48% |
| PATTI A VINCENT3 | 3489 W 10305 S SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT COMPANY | $3 | $0 | $3 | 1.03% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 303 | $1.8M |
| Dental | EQUITABLE LIFE INSURANCE COMPANY OF AMERICA | 124 | $99K |
| Vision | EQUITABLE LIFE INSURANCE COMPANY OF AMERICA | 124 | $99K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 309 | $69K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 309 | $69K |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 581 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.