| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEANA HUTCHINGS3 Filed as: JEANA HUTCHINGS DIVERSIFIED INS GRP | 136 EAST SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | MOTIVHEALTH INSURANCE CO | $40K | $0 | $40K | 2.98% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | GUARDIAN | $18K | $958 | $19K | 13.24% |
| DIVERSIFIED INSURANCE GROUP3 | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 5.48% |
| IMA, INC.3 Filed as: IMA, INC | 136 EAST SOUTH TEMPLE STE 2300 STE 2300 SALT LAKE CITY, UT 84111 | GUARDIAN | $13K | $74 | $13K | 15.89% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MOTIVHEALTH INSURANCE CO | 414 | $1.5M |
| Dental | GUARDIAN | 207 | $145K |
| Vision | GUARDIAN | 207 | $145K |
| Life insurance(2 contracts) | GUARDIAN | 318 | $224K |
| Short-term disability | GUARDIAN | 318 | $80K |
| Long-term disability | GUARDIAN | 318 | $80K |
| Prescription drug | MOTIVHEALTH INSURANCE CO | 414 | $1.4M |
| Stop-loss / reinsurancereinsurance | GUARDIAN | 207 | $145K |
| Other(2 contracts) | GUARDIAN | 318 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.