| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $56K | $11K | $68K | 6.00% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $10K | $2K | $12K | 5.99% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.05% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $625 | $125 | $750 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALTURA BENEFITS LLC ADMINISTRATOR | Contract Administrator Service code 13 | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | $84K |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | SELECTHEALTH | 255 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.