| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6330 SOUTH 3000 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $259K | $259K | 4.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH 3000 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $41 | $24K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $5K | $26K | 9.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH 3000 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | — | $42K | 46.44% |
| TIMOTHY B. CRAIG3 | 11829 SOUTH PINNACLE ACRE COURT RIVERTON, UT 84065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $2K | — | $2K | 2.79% |
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 | 986 | 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) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,317 | $6.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,742 | $532K |
| Vision | VISION SERVICE PLAN | 503 | $85K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 797 | $277K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 797 | $277K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 797 | $277K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,317 | $6.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 797 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,317 | — |
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.