| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | 302 W 5400 S STE 101 MURRAY, UT 84107 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $10K | $0 | $10K | 0.85% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | 302 WEST 5400 SOUTH, SUITE 101 MURRAY, UT 84107 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $4K | $0 | $4K | 5.00% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGNECY | 302 WEST 5400 SOUTH, SUITE 101 MURRAY, UT 84107 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $754 | $0 | $754 | 5.00% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | 304 WEST 5400 SOUTH, SUITE 101 MURRAY, UT 84107 | HEALTHIEST YOU | $2K | $0 | $2K | 15.00% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | PO BOX 571431 SALT LAKE CITY, UT 84157 | LIFEMAP ASSURANCE COMPANY | $42 | $0 | $42 | 10.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BEEHIVE INSURANCE AGENCY ADMINISTRATOR | Contract Administrator Service code 13 | 302 WEST 5400 SOUTH, SUITE 101 MURRAY, UT 84107 | $17K |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 146 | $1.2M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 293 | $87K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 174 | $15K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 75 | $417 |
| Other | HEALTHIEST YOU | 1,502 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,502 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.