| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS, LLC | 428 EAST WINCHESTER SUITE 235 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $42K | — | $42K | 1.05% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS, LLC | 428 EAST WINCHESTER SUITE 235 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $3K | — | $3K | 1.48% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS, LLC | 428 EAST WINCHESTER SUITE 235 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.19% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER STREET SUITE 235 SALT LAKE CITY, UT 84107 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.89% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER STREET SUITE 235 SALT LAKE CITY, UT 84107 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 3.96% |
| BOLWAR, DUANE, ANDREW3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $65 | $158 | 2.72% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 1.05% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 EAST WINCHESTER SUITE 235 SALT LAKE CITY, UT 84107 | ZURICH AMERICAN INSURANCE COMPANY | $182 | — | $182 | 15.03% |
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 | 582 | 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) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 1,281 | $4.2M |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 585 | $145K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $87K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $87K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 536 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.