| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $8K | $13K | 1.21% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $5K | $75K | 13.56% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS SERV | JENNA HUTCHINGS 136 E. TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $32K | $5K | $37K | 7.44% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | JEAN-PAUL DUPIN 1299 W. RIVERSTONE DR. COEUR D ALENE, ID 83814 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $6K | $6K | $11K | 2.27% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC DBA | STEALTH PARTNER GROUP 18940 N. PIMA RD., STE. 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $10K | $33K | 7.09% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT S. | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AMERITAS | $5K | $3K | $8K | 2.14% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS BENEFIT SERV | 136 EAST SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHEILD OF UT EIN 87-0200138 CLAIMS PROCESSING | Direct payment from the plan; Claims processing; Float revenue Service code 12 | — | $1.2M |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATION | Claims processing Service code 12 | — | $389K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $105K |
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 | 3,875 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 2,149 | $495K |
| Vision | AMERITAS | 4,534 | $367K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,875 | $1.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,875 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,875 | $1.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,293 | $468K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,875 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,534 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.