| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES, INC. | PO BOX 30430 SALT LAKE CITY, UT 84130 | SELECTHEALTH | $0 | $143K | $143K | 1.00% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD, SUITE 1579 ORLANDO, FL 32822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | $0 | $117K | 20.65% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES, INC. | PO BOX 30430 SALT LAKE CITY, UT 84130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $0 | $39K | 6.82% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS, LLC | PO BOX 96002 CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $19K | $24K | 4.16% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.82% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES, INC. | PO BOX 30430 SALT LAKE CITY, UT 84130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.00% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS, LLC | PO BOX 96002 CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $13K | $16K | 6.00% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.13% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES | 1850 WEST 2100 SOUTH SALT LAKE CITY, UT 84119 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.91% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES, INC. | 1850 WEST 2100 SOUTH SALT LAKE CITY, UT 84130 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $737 | $0 | $737 | 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 | 3,209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 3,287 | $14.4M |
| Vision | VISION SERVICE PLAN | 2,008 | $246K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,209 | $837K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,209 | $567K |
| Prescription drug | SELECTHEALTH | 3,287 | $14.4M |
| Other(4 contracts, 3 carriers) | SELECTHEALTH | 3,287 | $15.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,287 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.