| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3900 N TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $60K | $5K | $65K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 141 W JACKSON BLVD SUITE 1100 CHICAGO, IL 60604 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $39K | $0 | $39K | 1.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3900 N TRAVERSE MTN BLVD, SUITE 301 LEHI, UT 84043 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $62 | $11K | 5.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $63 | $4K | 1.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $967 | $0 | $967 | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3900 N TRAVERSE MTN BLVD, SUITE 301 LEHI, UT 84043 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 8.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.31% |
| RYAN HANS BECK3 | 3000 N TRAVERSE MOUNTAIN BLVD #301 LEHI, UT 84043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 24.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3900 N TRAVERSE MTN BLVD, SUTE 301 LEHI, UT 84043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $814 | $6K | 19.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | BLOMQUIST HALE CONSULTING | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CORPORATE SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 3900 N TRAVERSE MTN BLVD, SUITE 301 LEHI, UT 84043 | $93K |
| GALLAGHER BENEFIT SERVICES ADMINISTRATORS | Contract Administrator Service code 13 | 6967 S RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | $48K |
| RYAN HANS BECK ADMINISTRATORS | Contract Administrator Service code 13 | 3900 N TRAVERSE MTN BLVD, SUITE 301 LEHI, UT 84043 | $8K |
| NFP INS SERVICES INC ADMINISTRATORS | Contract Administrator Service code 13 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | $967 |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 186 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $195K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $195K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 243 | $135K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 243 | $167K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 243 | $135K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.