| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $66K | $0 | $66K | 16.59% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC | 700 WEST HILLSBORO BOULEVARD SUITE 2-102 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $16K | $1K | $17K | 4.17% |
| AARON BENTON3 Filed as: AARON C. BENTON | 13057 SUMMER HARVEST DRIVE DRAPER, UT 84020 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE MIDVALE, UT 84047 | COMBINED INSURANCE COMPANY OF AMERICA | $101K | $0 | $101K | 28.76% |
| BENEFITS ALL INSURANCE, LLC3 | UNKNOWN MIDVALE, UT 84047 | COMBINED INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 4.05% |
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 | 654 | 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) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 398 | $400K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 398 | $400K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,538 | $752K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,538 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.