| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP Filed as: BEEHIVE INSURANCE AGENCY INC | 302 W 5400 S #101 SALT LAKE CITY, UT 84107 | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE | — | — | $0 | 0.00% |
| LEAVITT GROUP Filed as: BEEHIVE INSURANCE AGENCY INC | 302 W 5400 S #101 SALT LAKE CITY, UT 84107 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $199K | — | $199K | 18.13% |
| LEAVITT GROUP Filed as: BEEHIVE INSURANCE AGENCY INC | 302 W 5400 S #101 MURRAY, UT 84107 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 1.96% |
| LEAVITT GROUP Filed as: BEEHIVE INSURANCE AGENCY INC | 302 W 5400 S #101 MURRAY, UT 84107 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | — | $39K | 15.00% |
| LEAVITT GROUP Filed as: BEEHIVE INSURANCE AGENCY INC | 302 W 5400 S #101 SALT LAKE CITY, UT 84107 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $46K | $46K | 18.27% |
| LEAVITT GROUP Filed as: BEEHIVE INSURANCE AGENCY INC | 302 W 5400 S #101 SALT LAKE CITY, UT 84107 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $37K | — | $37K | 16.11% |
| LEAVITT GROUP Filed as: BEEHIVE INSURANCE AGENCY INC | 302 W 5400 S #101 SALT LAKE CITY, UT 84107 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $28K | — | $28K | 16.17% |
| LEAVITT GROUP Filed as: BEEHIVE INSURANCE AGENCY INC | 302 W 5400 S #101 SALT LAKE CITY, UT 84107 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $27K | — | $27K | 16.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF UTA EIN 87-0200138 CLAIMS PROCESSING | Other services; Direct payment from the plan; Insurance brokerage commissions and fees; Claims processing; Non-monetary compensation; Float revenue; Contract Administrator Service code 12 | 2890 EAST COTTOWNWOOD PKWY SALT LAKE CITY, UT 84121 | $1.8M |
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 | 2,912 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE | 7,442 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,917 | $1.1M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,896 | $682K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,422 | $417K |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE | 7,442 | $1.8M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 2,721 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,917 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.