| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUMWAY INSURANCE GROUP3 | 915 SOUTH 500 EAST SUITE 110 AMERICAN FORK, UT 84003 | SELECTHEALTH | $125K | $42K | $166K | 4.00% |
| SHUMWAY INSURANCE GROUP3 | 915 SOUTH 500 EAST SUITE 200 AMERICAN FORK, UT 84003 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.61% |
| SHUMWAY INSURANCE GROUP3 | 915 SOUTH 500 EAST SUITE 200 AMERICAN FORK, UT 84003 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 25.00% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $45 | $45 | 0.03% |
| SHUMWAY INSURANCE GROUP3 | 915 SOUTH 500 EAST SUITE 110 AMERICAN FORK, UT 84003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| SHUMWAY INSURANCE GROUP3 | 915 SOUTH 500 EAST SUITE 110 AMERICAN FORK, UT 84003 | SELECTHEALTH | $489 | $163 | $652 | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 638 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 782 | $309K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 313 | $130K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 313 | $130K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 418 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.