| 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 | — | $205K | $205K | 1.00% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE SITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $61K | — | $61K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $23K | $35K | 5.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.51% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.48% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $11K | $14K | 4.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.63% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.50% |
| 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 | 1.84% |
| 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 | $20K | — | $20K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $7K | $9K | 4.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.67% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $995 | $995 | 0.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $25 | $1K | 3.30% |
| STUCKI, DARCEL3 | 2030 R 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.55% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICE INC. | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.48% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $909 | — | $909 | 2.21% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $790 | — | $790 | 1.92% |
| REYNOLS, SCOTT W.3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.07% |
| STUCKI, DARCEL3 | 2030 EAST 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $532 | — | $532 | 1.62% |
| REYNOLDS SCOTT3 Filed as: REYNOLDS, SCOTT | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | — | $266 | 0.81% |
| 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 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $653 | $1K | $2K | 5.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $207 | $207 | 0.63% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $157 | $157 | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICE INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $15 | $1K | 3.99% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIT ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.31% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $946 | — | $946 | 3.07% |
| STUCKI, DARCEL3 | 2030 E 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $717 | — | $717 | 2.32% |
| REYNOLDS SCOTT W3 Filed as: REYNOLDS, SCOTT W. | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 0.37% |
| AFS INSURANCE SERVICES INC.3 | 18520 W 2100 SOUTH SALT LAKE CITY, UT 84130 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $710 | — | $710 | 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 | 3,223 | 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) | 3,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 5,418 | $20.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 2,233 | $1.9M |
| Vision | VISION SERVICE PLAN | 1,952 | $255K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,223 | $196K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,092 | $294K |
| Prescription drug | SELECTHEALTH | 5,418 | $20.6M |
| Other(8 contracts, 4 carriers) | SELECTHEALTH | 5,418 | $21.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,418 | — |
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.