| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 | 136 EAST SOUTH TEMPLE, SUITE 2300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $48K | $16K | $64K | 3.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $10K | $3K | $13K | 0.66% |
| DIVERSIFIED INSURANCE GROUP3 | 136 EAST SOUTH TEMPLE, SUITE 2300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 8.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6330 SOUTH 3000 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $977 | $0 | $977 | 1.03% |
| DIVERSIFIED INSURANCE GROUP3 | 136 EAST SOUTH TEMPLE, SUITE 2300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $243 | $1K | 8.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | AMERITAS LIFE INSURANCE CORPORATION | $169 | $0 | $169 | 1.00% |
| DIVERSIFIED INSURANCE GROUP3 | 136 EAST SOUTH TEMPLE, SUITE 2300 SALT LAKE CITY, UT 84111 | LIFEMAP ASSURANCE COMPANY | $194 | $0 | $194 | 2.06% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 306 | $1.9M |
| Dental | LIFEMAP ASSURANCE COMPANY | 143 | $9K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 173 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $95K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $95K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $95K |
| Prescription drug | SELECTHEALTH | 306 | $1.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.