| 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 | $59K | $0 | $59K | 2.96% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 12.40% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 230 SALT LAKE CITY, UT 84111 | GUARDIAN | $19K | $3K | $22K | 33.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SWERVICES | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | GUARDIAN | $4 | $0 | $4 | 0.01% |
| RYAN H BECK3 | 756 E WINCHESTER BLVD MURRY, UT 84107 | GUARDIAN | $0 | $0 | $0 | 0.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 802021622 | AMERITAS LIFE INSURANCE CORP | $1K | $79 | $1K | 4.72% |
| DIVERSIFIED INS BENEFITS SERVICES3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $554 | $0 | $554 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIMS PROCESSING SERVIC | Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Float revenue; Non-monetary compensation; Direct payment from the plan; Other services Service code 12 | — | $23K |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 266 | $28K |
| Vision | AMERITAS LIFE INSURANCE CORP | 266 | $28K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 346 | $96K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 346 | $96K |
| Prescription drug | HSA HEALTH INSURANCE CO | 734 | $2.0M |
| Stop-loss / reinsurancereinsurance | HSA HEALTH INSURANCE CO | 734 | $2.0M |
| Other | GUARDIAN | 91 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.