| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $36K | $81K | $117K | 17.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHERBENEFITSERVICES, INC. (UT) | 6330 SO.3000 EAST SUITE 670 SALT LAKE CITY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 21.56% |
| TIMOTHY B. CRAIG3 Filed as: TIMOTHY B CRAIG | 11829 SPINNACLEACRECOURT RIVERTON, UT 84065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $880 | — | $880 | 0.53% |
| TIMOTHY B. CRAIG3 Filed as: TIMOTHY B CRAIG | 11829 SPINNACLEACRECOURT RIVERTON, UT 84065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $705 | — | $705 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | GALLAGHER BENEFIT SERVICES INC TWO PIERCE PL 14TH FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 12.55% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $444 | $4K | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $3K | $21K | $24K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $678K |
| GALLAGHER BENEFIT SERVICES, INC EIN 36-4291971 BROKER | Other commissions Service code 55 | — | $0 |
| GBS BENEFITS INC. EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $0 |
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 | 1,052 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 1,062 | $674K |
| Vision | VISION SERVICE PLAN | 710 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 533 | $155K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 533 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.