| 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 | — | $189K | $189K | 1.00% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | $5K | $64K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $24K | $35K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.91% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $5K | $33K | 11.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $11K | $14K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.22% |
| 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 | 1.92% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURNACE SERVICES INC. | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $4K | $22K | 12.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $7K | $9K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $146 | $2K | 5.80% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.48% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.22% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.79% |
| STUCKI, DARCEL3 | 2030 E 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $860 | — | $860 | 2.06% |
| REYNOLDS SCOTT W3 Filed as: REYNOLDS, SCOTT W. | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $336 | — | $336 | 0.80% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $897 | $1K | $2K | 6.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $493 | $493 | 1.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $100 | $2K | 5.65% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.62% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.12% |
| STUCKI, DARCEL3 | 2030 E 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $637 | — | $637 | 2.03% |
| REYNOLDS SCOTT W3 Filed as: REYNOLDS, SCOTT W. | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 0.55% |
| 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 SERVICES INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.85% |
| STUCKI, DARCEL3 | 2030 EAST 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $503 | — | $503 | 1.94% |
| REYNOLDS SCOTT3 Filed as: REYNOLDS, SCOTT | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $252 | — | $252 | 0.97% |
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 | 4,948 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 4,948 | $19.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 2,224 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,920 | $240K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,165 | $179K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,282 | $279K |
| Prescription drug | SELECTHEALTH | 4,948 | $19.0M |
| Other(8 contracts, 4 carriers) | SELECTHEALTH | 4,948 | $19.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,948 | — |
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.