| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 136 EAST SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $8K | $5K | $13K | 7.12% |
| IMA, INC.3 Filed as: IMA INC | 136 E. S. TEMPLE #2300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $0 | $336 | $336 | 1.01% |
| DIVERSIFIED INS BENEFITS SERVICES3 | 1705 17TH STREET STE 100 DENVER, CO 802021622 | AMERITAS LIFE INSURANCE CORP | $199 | $0 | $199 | 0.60% |
| DENISE ABBOTT4 | 2010 W 3211 S LOHAN, UT 84321 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $1K | $0 | $1K | 23.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MANAGE | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $428K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $67K |
| DIVERSIFIED INSURANCE BENEFIT SERVI EIN 20-4442550 BROKER | Other commissions Service code 55 | 136 E SOUTH TEMPLE# 2300 SALT LAKE CITY, UT 84111 | $52K |
| EVERNORTH BEHAVIORAL EIN 41-1648670 ADMINISTER | Participant communication; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $16K |
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 | 743 | 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) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $191K |
| Vision | AMERITAS LIFE INSURANCE CORP | 262 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 743 | $176K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SWISS RE CORPORATE SOLUTIONS | 491 | $805K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 743 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.