| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $35K | $3K | $38K | 16.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.41% |
| HAYS COMPANIES, INC.3 | 201 SOUTH MAIN STREET, SUITE 2100 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.18% |
| MATTHEW B WALDRAM3 Filed as: MATTHEW B. WALDRAM | PO BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 25.22% |
| DENISE A MAXWELL3 Filed as: DENISE A. MAXWELL | 943 WEST OVERLAND ROAD MERIDIAN, ID 83642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $369 | $2K | 3.68% |
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 | 786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 827 | $231K |
| Vision | VISION SERVICE PLAN | 791 | $153K |
| Life insurance | STANDARD INSURANCE COMPANY | 827 | $231K |
| Long-term disability | STANDARD INSURANCE COMPANY | 827 | $231K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 2,058 | $681K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 827 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,058 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.