| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDAN KRELLE3 | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | MOTIVHEALTH INSURANCE COMPANY | $36K | $0 | $36K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6340 S 3000 E SUITE 500 SALT LAKE CITY, UT 84070 | ACE AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | UMUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 16.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UMUM LIFE INSURANCE COMPANY OF AMERICA | $452 | $0 | $452 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6340 S 3000 E SUITE 500 SALT LAKE CITY, UT 84070 | ACE AMERICAN INSURANCE COMPANY | $583 | $0 | $583 | 6.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $473 | $0 | $473 | 17.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | $0 | $68 | 2.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES BROKER | Claims processing Service code 12 | 6967 S RIVER GATE DR SUITE 200 MIDAVLE, UT 84047 | $43K |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 69 | $39K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 46 | $8K |
| Life insurance(2 contracts, 2 carriers) | UMUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $21K |
| Short-term disability(2 contracts, 2 carriers) | UMUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $21K |
| Prescription drug | MOTIVHEALTH INSURANCE COMPANY | 249 | $723K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE COMPANY | 249 | $723K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.