| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 136 E S TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | SYMETRA LIFE INSURANCE COMPANY | $34K | $39K | $73K | 4.90% |
| JEANA HUTCHINGS3 Filed as: JEANA L HUTCHINGS | 136 E S TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | SYMETRA LIFE INSURANCE COMPANY | $658 | — | $658 | 0.04% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | WELLPOINT STOP LOSS | — | $101K | $101K | 7.00% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET STE 100 DENVER, CO 802021622 | AMERITAS LIFE INSURANCE CORP | — | $7K | $7K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INS(CIGNA) EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Float revenue; Claims processing; Non-monetary compensation Service code 12 | — | $811K |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $588K |
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 | 1,900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 2,653 | $0 |
| Dental(2 contracts, 2 carriers) | CONNNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | 2,653 | $94K |
| Vision | AMERITAS LIFE INSURANCE CORP | 2,961 | $353K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,628 | $2.9M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,628 | $1.5M |
| Stop-loss / reinsurancereinsurance | SELECTHEALTH | 2,653 | $0 |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,961 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,961 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.