| 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 | — | $177K | $177K | 0.89% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES, INC. | 1850 WEST 2100 SOUTH SALT LAKE CITY, UT 84119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78K | — | $78K | 9.63% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICES, INC. | 1850 WEST 2100 SOUTH SALT LAKE CITY, UT 84119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 9.55% |
| 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 | 1.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $209 | $3K | 7.15% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.85% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.06% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.64% |
| STUCKI, DARCEL3 | 2030 E 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| REYNOLS, SCOTT W.3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $375 | — | $375 | 0.81% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIT ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| GETTSBURG BENEFITS ADMIN INC.3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $267 | $3K | 9.39% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.64% |
| STUCKIE, DARCEL3 | 2030 E 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.39% |
| REYNOLDS SCOTT W3 Filed as: REYNOLDS, SCOTT W | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160 | — | $160 | 0.45% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 0.71% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 0.71% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.60% |
| STUCKI, DARCEL3 | 2030 EAST 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.24% |
| REYNOLDS SCOTT3 Filed as: REYNOLDS, SCOTT | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.12% |
| AFS INSURANCE SERVICES INC.3 | 1850 W 2100 SOUTH SALT LAKE CITY, UT 84130 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $602 | — | $602 | 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 | 4,808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 5,063 | $19.9M |
| Vision | VISION SERVICE PLAN | 1,938 | $244K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,141 | $809K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,484 | $320K |
| Prescription drug | SELECTHEALTH | 5,063 | $19.9M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,808 | $994K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,063 | — |
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.