| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN D. COOMBS3 Filed as: BRIAN CARTER | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | HSA HEALTH INSURANCE CO | $75K | $0 | $75K | 3.01% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SERVI | 136 E. SOUTH TEMPLE STE 2300 SALT LAKE, UT 84111 | AMERITAS LIFE INSURANCE CORP | $2K | $403 | $2K | 7.71% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E. SOUTH TEMPLE STE 2300 SALT LAKE, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 20.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$6 | $2K | $2K | 8.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SWERVICES | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | GUARDIAN | $1K | $689 | $2K | 13.78% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | GUARDIAN | $179 | $0 | $179 | 1.21% |
| RYAN H BECK3 | 756 E WINCHESTER BLVD MURRY, UT 84107 | GUARDIAN | $5 | $0 | $5 | 0.03% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E. SOUTH TMEPLE #2300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 20.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $711 | $711 | 8.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E. SOUTH TEMPLE #2300 SALT LAKE, UT 84111 | CIGNA | $1K | $0 | $1K | 20.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA | $0 | $442 | $442 | 8.00% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $10K | $347 | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIMS PROCESSING SERVIC | Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Float revenue; Other services; Direct payment from the plan Service code 12 | — | $26K |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 224 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP | 290 | $30K |
| Prescription drug | HSA HEALTH INSURANCE CO | 836 | $2.5M |
| Stop-loss / reinsurancereinsurance | HSA HEALTH INSURANCE CO | 836 | $2.5M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.