| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDAN KRELLE3 | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | MOTIVHEALTH INSURANCE CO | $37K | $0 | $37K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6340 S 3000 E SUITE 500 SALT LAKE CITY, UT 84070 | AMERITAS LIFE INSURANCE CORP | $3K | $0 | $3K | 5.97% |
| 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 | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD FL 11 ROLLING MEADOWS, IL 60008 | UMUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $264 | $264 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6340 S 3000 E SUITE 500 SALT LAKE CITY, UT 84070 | AMERITAS LIFE INSURANCE COMPANY | $569 | $0 | $569 | 6.01% |
| 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 | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES BROKER | Claims processing Service code 12 | 6967 S RIVER GATE DR SUITE 200 MIDAVLE, UT 84047 | $44K |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 219 | $46K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 68 | $9K |
| Life insurance(2 contracts, 2 carriers) | UMUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $21K |
| Short-term disability(2 contracts, 2 carriers) | UMUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $21K |
| Prescription drug | MOTIVHEALTH INSURANCE CO | 285 | $814K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE CO | 285 | $814K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.