| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES INC. | 370 E SOUTH TEMPLE STE 200 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $16K | $4K | $19K | 0.33% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INCDBAINTEGRO INS BROKE | 3500 LENOX RD NE STE 1600 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $129K | — | $129K | 12.59% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 2.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $83K | — | $83K | 8.66% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 1.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | — | $51K | 8.53% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 1.46% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.01% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC.DBAINTEGRO INS BROK | 3500 LENOX RD. NE STE 1600 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.01% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.02% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INCDBAINTEGRO INS BROKE | 3500 LENOX RD NE STE 1600 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 12.43% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 2.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 7.63% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.37% |
| FREDDIE G FERRELL JR3 | PO BOX 195 TAHLEQUAH, OK 74465 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.10% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INCDBAINTEGRO INS BROKE | 3500 LENOX RD NE STE 1600 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.09% |
| FREDDIE G FERRELL JR3 | PO BOX 195 TAHLEQUAH, OK 74465 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| FREDDIE G FERRELL JR3 | PO BOX 195 TAHLEQUAH, OK 74465 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| FREDDIE G FERRELL JR3 | PO BOX 195 TAHLEQUAH, OK 74465 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 11,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 1,673 | $6.7M |
| Dental(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,986 | $3.0M |
| Vision(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,986 | $546K |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,156 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,475 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,425 | $632K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 194 | $750K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,156 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,156 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.