| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $190K | $368K | $558K | 14.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $94K | $200K | $294K | 7.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $137K | $258K | $395K | 14.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $99K | $143K | 8.14% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $158K | — | $158K | 12.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | $73K | $103K | 8.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $52K | $108K | $160K | 15.40% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $117K | — | $117K | 11.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | $93K | $138K | 15.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $52K | $72K | 8.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $43K | $59K | 9.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $49K | $70K | 16.39% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | — | $59K | 19.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $14K | $21K | 16.35% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 27.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURACE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $6K | $8K | 9.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $5K | $7K | 8.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $713 | — | $713 | 9.36% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $645 | — | $645 | 22.59% |
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 | 26,996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 24,031 | $2.7M |
| Vision | EYEMED VISION CARE | 43,127 | $3.2M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 21,797 | $4.8M |
| Short-term disability(7 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,592 | $8.4M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 18,063 | $3.6M |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 21,797 | $749K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,127 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.