| 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 | $0 | $0 | $0 | 0.00% |
| 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 | 25.67% |
| ROCK WACH4 | 3796 S 4400 W WEST VALLEY, UT 84120 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $71 | $0 | $71 | 0.47% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | DENTAL SELECT | — | — | $0 | — |
| 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; Contract Administrator; Other services; Direct payment from the plan Service code 12 | — | $457K |
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 | 782 | 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) | 782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMPLOYEE BLOMQUIST HALE ASSISTANCE | 1,793 | $36K |
| Dental | DENTAL SELECT | 555 | $0 |
| Vision(3 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,793 | $84K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 782 | $509K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 782 | $509K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 782 | $509K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 0 | $706K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 782 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,793 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.