| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $66K | — | $66K | 2.29% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC AGENCY | 2200 SOUTH MAIN STREET SUITE 600 SALT LAKE CITY, UT 84115 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $53K | — | $53K | 1.84% |
| GBS BENEFITS INC3 | 465 S 400 E, STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $11K | 7.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.03% |
| BRITE BENEFITS INC5 | 4270 S CAMILLE ST HOLLADAY, UT 84124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $622 | $5K | 9.64% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.41% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STREET SUITE 600 SALT LAKE CITY, UT 84115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.24% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 515 | $2.9M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 515 | $2.9M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 515 | $2.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $148K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $148K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $148K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.