| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 802021622 | AMERITAS LIFE INSURANCE CORP | $0 | $896 | $896 | 0.26% |
| IMA, INC.3 Filed as: IMA INC | 136 EAST SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $9K | $1K | $11K | 5.15% |
| DENISE ABBOTT4 | 2010 W 3211 S LOHAN, UT 84321 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $1K | $0 | $1K | 17.54% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SERVI | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 841111117 | SELECTHEALTH | $4K | $0 | $4K | — |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SERVI | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 841111117 | SELECTHEALTH | $32K | $0 | $32K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $244K |
| EVRNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 ADMINISTRATOR | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | — | $14K |
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 | 706 | 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) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 713 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP | 425 | $349K |
| Vision | AMERITAS LIFE INSURANCE CORP | 425 | $349K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 706 | $204K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS | 124 | $103K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 706 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.