| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 | 5075 S 1500 W RIVERDALE, UT 84405 | USABLE | $27K | $0 | $27K | 9.60% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | USABLE | $10K | $0 | $10K | 3.45% |
| KELSEY BENEFITS GROUP3 | 5075 S 1500 W OGDEN, UT 84405 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.88% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $877 | $0 | $877 | 1.62% |
| AFFORDABLE BENEFIT SOLUTIONS3 | 50 WEST 700N LOGAN, UT 84321 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.30% |
| IMA, INC.3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.82% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | PO BOX 1060 GETTYSBURG, PA 17325 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $393 | $0 | $393 | 1.39% |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 0 | $0 |
| Vision | VISION SERVICE PLAN | 299 | $54K |
| Life insurance | USABLE | 545 | $280K |
| Long-term disability | USABLE | 545 | $280K |
| Prescription drug | MERITAIN PHARMACY BENEFIT SOLUTIONS (CVS) | 0 | $0 |
| Other(3 contracts, 3 carriers) | USABLE | 545 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.