| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SERV | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84117 | SELECTHEALTH | $48K | $16K | $65K | 2.32% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS SERV | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $10K | 10.67% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84117 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.16% |
| ELYNE GRANT SWENSON3 | 7 WEST MAGELLAN LANE ELK RIDGE, UT 84651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 3.71% |
| LYLE G. SWENSON3 Filed as: LYLE G SWENSON | PO BOX 775 SALEM, UT 84653 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 1.34% |
| FIRST WEST BENEFIT SOLUTIONS3 | 1139 S OREM BLVD OREM, UT 84059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 1.12% |
| TIM VINCENT INS AGY INC3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.58% |
| PATTI A VINCENT3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.37% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| DIVERSIFIED INSURANCE3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84117 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $7K | — | $7K | — |
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 | 312 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 855 | $2.8M |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 228 | $0 |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 408 | $25K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 803 | $98K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 803 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 855 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.