| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6967 S. RIVERGATE DRIVE STE 200 MIDVALE, UT 84047 | SELECT HEALTH | $101K | $24K | $125K | 5.25% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS COLORADO LLC | 2040TERRY ST STE 101 LONGMONT, CO 80501 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 5.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 6967 RIVER GATE DR STE 200 SALT LAKE CITY, UT 84047 | AMERITAS LIFE INSURANCE CORP | $9K | — | $9K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | SALT LAKE CITY 6967 RIVER GATE DR STE 200 SALT LAKE CITY, UT 84047 | LIFEMAP ASSURANCE COMPANY | $12K | $742 | $12K | 16.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | ASSURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 46.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | EYEMED VISION CARE | $2K | — | $2K | 11.64% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECT HEALTH | 520 | $3.0M |
| Dental | AMERITAS LIFE INSURANCE CORP | 174 | $146K |
| Vision | EYEMED VISION CARE | 414 | $20K |
| Life insurance(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 228 | $98K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 228 | $74K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 228 | $74K |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 228 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.