| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTURA BENEFITS LLC3 | 428 E. WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $11K | $8K | $19K | 2.30% |
| ALTURA BENEFITS LLC3 | 428 E. WINCHESTER STREET SUITE 200 SALT LAKE CITY, UT 84107 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.28% |
| ALTURA BENEFITS LLC3 | 428 E. WINCHESTER STREET SUITE 200 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.19% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.21% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.24% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.22% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.18% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $837 | $0 | $837 | 9.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALTURA BENEFITS, LLC ADMINISTRATOR | Contract Administrator Service code 13 | 428 E WINCHESTER ST SUITE 200 SALT LAKE CITY, UT 84107 | $145K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $75K |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 165 | $813K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 174 | $129K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 174 | $129K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $54K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 73 | $48K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 123 | $0 |
| Other(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.