| 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 | — | $213K | $213K | 1.00% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE SITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | — | $56K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $11K | $22K | 3.99% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.76% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $6K | $8K | 3.00% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.74% |
| 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 | 2.03% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 841300430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $4K | $6K | 3.00% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.63% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $832 | — | $832 | 1.91% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $574 | — | $574 | 1.32% |
| AFS INSURANCE SERVICES INC.3 Filed as: AFS INSURANCE SERVICE INC. | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $559 | — | $559 | 1.29% |
| STUCKI, DARCEL3 | 2030 R 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $447 | — | $447 | 1.03% |
| REYNOLS, SCOTT W.3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICE INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.20% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIT ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $821 | — | $821 | 2.73% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $690 | — | $690 | 2.30% |
| STUCKI, DARCEL3 | 2030 E 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $436 | — | $436 | 1.45% |
| REYNOLDS SCOTT W3 Filed as: REYNOLDS, SCOTT W. | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 0.24% |
| 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 | $589 | $589 | $1K | 4.00% |
| TOP BENEFITS LLC3 | 3 BATTERYMARCH PK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $883 | $883 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 10100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $226 | $226 | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.18% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.18% |
| AFS INSURANCE SERVICES INC.3 | PO BOX 30430 SALT LAKE CITY, UT 84119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.49% |
| STUCKI, DARCEL3 | 2030 EAST 1900 N LAYTON, UT 84040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $841 | — | $841 | 3.39% |
| REYNOLDS SCOTT3 Filed as: REYNOLDS, SCOTT | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $421 | — | $421 | 1.70% |
| 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 | 3,305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 7,206 | $21.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 2,207 | $1.8M |
| Vision | VISION SERVICE PLAN | 1,876 | $242K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,305 | $186K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,006 | $275K |
| Prescription drug | SELECTHEALTH | 7,206 | $21.3M |
| Other(8 contracts, 4 carriers) | SELECTHEALTH | 7,206 | $22.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,206 | — |
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.