| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES | P.O. BOX 30430 SALT LAKE CITY, UT 841300430 | SELECTHEALTH | — | $226K | $226K | 1.05% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE SITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67K | — | $67K | 10.00% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $29K | $29K | 4.31% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.58% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 10.00% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 4.33% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.58% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES, INC. | 1850 WEST 2100 SOUTH SALT LAKE CITY, UT 841191304 | VISION SERVICE PLAN | $5K | — | $5K | 1.91% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $10K | $12K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $827 | $2K | $2K | 1.06% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.99% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.99% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| STUCKI, DARCEL3 | 2030 EAST 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $866 | — | $866 | 2.00% |
| REYNOLDS SCOTT3 Filed as: REYNOLDS, SCOTT | 164 SEABREEZE MANOR CT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $433 | — | $433 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.41% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | — | $518 | 1.37% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS. GRP. INC. | PO BOX 1060 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $345 | — | $345 | 0.91% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICE INC. | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | — | $310 | 0.82% |
| STUCKI, DARCEL3 | 2030 R 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $227 | — | $227 | 0.60% |
| REYNOLS, SCOTT W.3 | 164 SEABREEZE MANOR COURT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.13% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $434 | $1K | $2K | 5.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $229 | $229 | $458 | 1.38% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $312 | $312 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $201 | $201 | 0.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICE INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.29% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INC. GRP. INC. | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $530 | — | $530 | 2.18% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $435 | — | $435 | 1.79% |
| STUCKI, DARCEL3 | 2030 E 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | — | $253 | 1.04% |
| REYNOLDS SCOTT W3 Filed as: REYNOLDS, SCOTT W. | 164 SEABREEZE MANOR COURT DAYTONA BEACH, FL 31224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.17% |
| AFS INSURANCE SERVICES INC.3 | 18520 W 2100 SOUTH SALT LAKE CITY, UT 84130 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 3,217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 6,518 | $21.6M |
| Vision | VISION SERVICE PLAN | 1,903 | $242K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,217 | $233K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,788 | $318K |
| Prescription drug | SELECTHEALTH | 6,518 | $21.6M |
| Other(8 contracts, 4 carriers) | SELECTHEALTH | 6,518 | $22.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,518 | — |
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.