| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $53K | $18K | $71K | 3.97% |
| ALTURA BENEFITS LLC3 | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $5K | $0 | $5K | 6.00% |
| ALTURA BENEFITS LLC3 | 1063 WEST ALBION VIEW CIRCLE WEST JORDAN, UT 84088 | SELECTHEALTH | $2K | $595 | $2K | 3.99% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER # 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER # 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.80% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER # 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 EAST WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | OPTICARE VISION SERVICES | $789 | $0 | $789 | 6.96% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER # 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.11% |
| ALTURA BENEFITS LLC3 | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS, LLC | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | $0 | $311 | 6.66% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE M HOPKINS INS AGNCY | 1063 W ALBION VIEW CIR WEST JORDAN, UT 84088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $0 | $304 | 6.51% |
| STEPHANIE COLTRIN3 | 165 E KELSEY AVE SALT LAKE CITY, UT 84111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 3.27% |
| ALTURA BENEFITS LLC3 | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 200.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALTURA BENEFITS LLC ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 428 E WINCHESTER #200 SALT LAKE CITY, UT 84107 | $98K |
| SHERRIE M HOPKINS INS AGENCY ADMINISTRATOR | Contract Administrator Service code 13 | 1063 W ALBION VIEW CIR WEST JORDAN, UT 84088 | $304 |
| STEPHANIE COLTRIN ADMINISTRATOR | Contract Administrator Service code 13 | 165 E KELSEY AVE SALT LAKE CITY, UT 84111 | $153 |
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 | 415 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 415 | $1.8M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 100 | $86K |
| Vision | OPTICARE VISION SERVICES | 175 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $58K |
| Short-term disability(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $29K |
| Other(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.