| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA, INC | 95 STATE STREET STE 1300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $24K | — | $24K | 16.75% |
| DIVERSIFIED INSURANCE GROUP3 | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 5.00% |
| IMA, INC.3 Filed as: IMA, INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $13K | 11.54% |
| IMA, INC.3 | 95 S. STATE ST. STE 1300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $13K | 13.96% |
| IMA, INC.3 Filed as: IMA INC (KS) | N/A WICHITA, KS 11111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 10.00% |
| IMA, INC.3 Filed as: IMA INC (CO) | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.05% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS BENEFIT SERVICES | 136 E SOUTH TEMPLE, STE 2300 SALT LAKE CITY, UT 84111 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 10.15% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 182 | $256K |
| Dental | SELECTHEALTH | 182 | $145K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 815 | $50K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $110K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $91K |
| Stop-loss / reinsurancereinsurance | SELECTHEALTH | 182 | $145K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 815 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.