| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | SELECTHEALTH | $47K | $16K | $62K | 3.64% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS, LLC | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | AMERITAS LIFE INSURANCE CORP | $9K | $0 | $9K | 10.00% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER # 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER # 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.45% |
| ALTURA BENEFITS LLC3 Filed as: ALTURA BENEFITS | 428 EAST WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | OPTICARE VISION SERVICES | $1K | $0 | $1K | 9.97% |
| 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 | 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 | 12.25% |
| ALTURA BENEFITS LLC3 | 428 E WINCHESTER SUITE 200 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.01% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 Filed as: SHERRIE M HOPKINS INS AGCY LUTCF, P | 1063 WEST ALBION VIEW CIRCLE WEST JORDAN, UT 84088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $616 | $54 | $670 | 9.90% |
| ALTURA BENEFITS LLC3 | 428 EAST WINCHESTER SALT LAKE CITY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | $0 | $546 | 8.07% |
| STEPHANIE COLTRIN3 | 165 EAST KELSEY AVENUE SALT LAKE CITY, UT 84111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $0 | $299 | 4.42% |
| PAM ANDERSON & ASSOCIATES INC3 | 130 WEST 8600 SOUTH MIDVALE, UT 84047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.72% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.15% |
| PATTI A VINCENT3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALTURA BENEFITS LLC ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 428 E WINCHESTER #200 SALT LAKE CITY, UT 84107 | $89K |
| SHERRIE M HOPKINS INS AGENCY ADMINISTRATOR | Contract Administrator Service code 13 | 1063 W ALBION VIEW CIR WEST JORDAN, UT 84088 | $671 |
| STEPHANIE COLTRIN ADMINISTRATOR | Contract Administrator Service code 13 | 165 E KELSEY AVE SALT LAKE CITY, UT 84111 | $299 |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 463 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP | 266 | $89K |
| Vision | OPTICARE VISION SERVICES | 278 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $48K |
| Short-term disability(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $27K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.