| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | ERIK SNOW 6340 SOUTH 400 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $4K | — | $4K | 4.49% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | SCOTT JENKINS 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $1K | — | $1K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6340 SOUTH 3000 EAST SUITE 500 SALT LAKE CITY, UT 84121 | ASSURITY LIFE INSURANCE COMPANY | $17K | — | $17K | 40.30% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 6967 S RIVER GATE DR #200 MIDVALE, UT 84047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $339 | $2K | 14.49% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $398 | — | $398 | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6340 SOUTH 3000 EAST SUITE 500 SALT LAKE CITY, UT 84121 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | $467 | — | $467 | 4.47% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | $160 | — | $160 | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR #200 MIDVALE, UT 84047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $825 | $265 | $1K | 12.80% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $222 | — | $222 | 2.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR #200 MIDVALE, UT 84047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $607 | $106 | $713 | 13.66% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $176 | — | $176 | 3.37% |
| JULIE A ELLIS3 | 669 S 630 E OREM, UT 84097 | AFLAC | $71 | — | $71 | 1.86% |
| MARSHA L ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $63 | — | $63 | 1.65% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DR SAINT CLOUD, FL 34771 | AFLAC | $38 | — | $38 | 1.00% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT T ECHOLS | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $33 | — | $33 | 0.86% |
| SUZETTE H STEWART3 | 9852 S 2240 E SANDY, UT 84092 | AFLAC | $29 | — | $29 | 0.76% |
| KIEFER GROUP INSURANCE AGENCY LLC3 Filed as: KIEFER GROUP INS AGCY LC | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $20 | — | $20 | 0.52% |
| JUDSON T LAW3 | 7654 N WILLOW WALK LN EAGLE MOUNTAIN, UT 84005 | AFLAC | $17 | — | $17 | 0.45% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NE 167TH ST WOODINVILLE, WA 98072 | AFLAC | $16 | — | $16 | 0.42% |
| JOHN K KERKSIEK3 | 658 E LOST RIDGE DR WASHINGTON, UT 84780 | AFLAC | $14 | — | $14 | 0.37% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $8 | — | $8 | 0.21% |
| MICHELLE J HALLER3 Filed as: MICHELLE L WRIGHT | 606 E FRUITWOOD LN SANDY, UT 84070 | AFLAC | $4 | — | $4 | 0.10% |
| JOAN B JOHN3 | 2647 CHERRY DR BRIGHAM CITY, UT 84302 | AFLAC | $4 | — | $4 | 0.10% |
| JED D MINER3 | 1524 E 1110 N OREM, UT 84097 | AFLAC | $2 | — | $2 | 0.05% |
| BRITNI L HAMBLIN3 | PO BOX 112 LAKESIDE, AZ 85929 | AFLAC | $2 | — | $2 | 0.05% |
| GREGORY L. BROCKMAN3 Filed as: GREGORY LEE BROCKMAN | 4763 W 3855 S WEST VALLEY CITY, UT 84120 | AFLAC | $2 | — | $2 | 0.05% |
| JANINE H LEYER3 | PO BOX 1000 WEST JORDAN, UT 84084 | AFLAC | $1 | — | $1 | 0.03% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 357 | $96K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | 190 | $10K |
| Life insurance(4 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 222 | $67K |
| Short-term disability | AFLAC | 3 | $4K |
| Prescription drug | HSA HEALTH INSURANCE CO | 214 | $923K |
| Stop-loss / reinsurancereinsurance | HSA HEALTH INSURANCE CO | 214 | $923K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.