| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $64K | $0 | $64K | 4.80% |
| IMA, INC.3 | 430 EAST DOUGLAS, SUITE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $0 | $25K | $25K | 1.87% |
| IMA, INC.3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP. | $13K | $0 | $13K | 10.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | $0 | $5K | $5K | 3.74% |
| IMA, INC.4 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES, INC. | $8K | $0 | $8K | 12.00% |
| D'ANN DABELL4 Filed as: D ANN DABELL | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC. | $4K | — | $4K | 6.00% |
| UNKNOWN3 | UNKNOWN WEST VALLEY, UT 84119 | BLOMQUIST HALE CONSULTING, INC. | $2K | — | $2K | 5.00% |
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 | 1,067 | 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) | 1,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,683 | $126K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,067 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,067 | $1.3M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,683 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,683 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.