| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | PO BOX 571431 SALT LAKE CITY, UT 84123 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 14.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 MORRIS MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.71% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | 302 W 5400 S STE 101 MURRAY, UT 84107 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 25.63% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY INC. | 302 W. 5400 S. STE 101 MURRAY, UT 84107 | RECURO HEALTH | $2K | $0 | $2K | 27.50% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | 302 WEST 5400 SOUTH, SUITE 101 MURRAY, UT 84107 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $7K | $0 | $7K | — |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY | 302 WEST 5400 SOUTH SUITE 101 MURRAY, UT 84107 | MERITAIN HEALTH | $70K | $0 | $70K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BEEHIVE INSURANCE AGENCY ADMINISTRATOR | Contract Administrator Service code 13 | 302 WEST 5400 SOUTH, SUITE 101 MURRAY, UT 84107 | $96K |
| GIS BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 422 MORRIS MORRIS, IL 60450 | $2K |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 170 | $0 |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 328 | $0 |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 328 | $0 |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 111 | $44K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 163 | $85K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 111 | $44K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 172 | $351K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 167 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.