| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | DENTIS DIRECT, LLC | $3K | $0 | $3K | 6.00% |
| IMA, INC.3 Filed as: IMA, INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $648 | $5K | 12.68% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $22K | $7K | $30K | 133.33% |
| IMA, INC.3 Filed as: IMA, INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $219 | $2K | 16.60% |
| IMA, INC.3 Filed as: IMA, INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 841111117 | AMERITAS LIFE INSURANCE CORP | $781 | $0 | $781 | 8.97% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $72 | $0 | $72 | 0.83% |
| IMA, INC.3 Filed as: IMA, INC | 1705 1TH TREET STE 100 DENVER, CO 802021622 | AMERITAS LIFE INSURANCE CORP | $0 | $40 | $40 | 0.46% |
| IMA, INC.3 Filed as: IMA, INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $113 | $1K | 16.58% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 150 | $22K |
| Dental | DENTIS DIRECT, LLC | 85 | $56K |
| Vision | AMERITAS LIFE INSURANCE CORP | 63 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $42K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 34 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $42K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.