| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $72K | $15K | $87K | 6.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $6K | $491 | $7K | 13.94% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOC, LLC | 44 WEST HARDING AVENUE JIM WILCKEN CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | $0 | $796 | $796 | 1.67% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | HARTFORD LIFE AND ACCIDENT | $17 | $0 | $17 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MDWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $1K | $1K | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | AMERITAS LIFE INSURANCE CORPORATION | $607 | $0 | $607 | 6.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 22.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | ASSURITY LIFE INSURANCE COMPANY | $691 | $0 | $691 | 9.13% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS, INC. | 886 EAST 3200 NORTH KAMAS, UT 84036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | $2 | $161 | 3.90% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $3 | $64 | 1.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 19 EAST 200 SOUTH SALT LAKE CITY, UT 84111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 1.23% |
| JILL HUGHES3 | 6510 SOUTH TAMRA SRIVE TAYLORSVILLE, UT 84129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 1.07% |
| PATTI A VINCENT3 Filed as: PATTI A. VINCENT | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.75% |
| DESIREE ROBERTSON3 | 5691 SOUTH STONE BLUFF WAY SALT LAKE CITY, UT 84118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.41% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. & OTHERS | 9903 EAST 150TH AVENUE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.22% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 243 | $1.3M |
| Dental | SELECTHEALTH | 243 | $1.3M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 156 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 166 | $48K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 6 | $4K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $48K |
| Prescription drug | SELECTHEALTH | 243 | $1.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 166 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.