| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $43K | $64K | $106K | 1.80% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $4K | $6K | $11K | 2.52% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS, LLC | 428 EAST WINCHESTER SUITE 235 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.57% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER STREET SUITE 200 SALT LAKE CITY, UT 84107 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 4.20% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COMP | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 1.38% |
| BOLWAR, DUANE, ANDREW3 Filed as: BOLWAR, DUANE, A | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.89% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 EAST WINCHESTER SUITE 235 SALT LAKE CITY, UT 84107 | ZURICH AMERICAN INSURANCE COMPANY | $180 | — | $180 | 15.00% |
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 | 695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 88 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 1,649 | $6.3M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 762 | $104K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 764 | $162K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 764 | $158K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 777 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,649 | — |
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.