| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS BENEFIT SVCS | 136 EAST SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $51K | $0 | $51K | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | DENTAL SELECT | $0 | $19K | $19K | 5.62% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E S TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| HIGH POINT ALLIANCE4 Filed as: HIGH POINTE ALLIANCE | 1119 E BIRCHBROOK CIR COTTONWOOD HEIGHTS, UT 84047 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 24.36% |
| ROCK WACH4 | 3796 S 4400 W WEST VALLEY, UT 84120 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 0.62% |
| D'ANN DABELL4 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF UTA EIN 87-0200138 CLAIMS PROCESSING SERVIC | Float revenue; Claims processing; Insurance brokerage commissions and fees; Non-monetary compensation; Direct payment from the plan; Other services; Contract Administrator Service code 12 | — | $316K |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPLOYEE BLOMQUIST HALE ASSISTANCE | 843 | $32K |
| Dental | DENTAL SELECT | 538 | $334K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 429 | $84K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 741 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 741 | $506K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 741 | $506K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 741 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.