| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $45K | $9K | $54K | 4.31% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SALT LAKE CITY, UT 84115 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $460 | $6K | 6.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 1.51% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 115 NORTH MAIN STREET CEDAR CITY, UT 84720 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $1K | $1K | 1.18% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 10.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 4.45% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOC., LLC | 44 WEST HARDING AVENUE CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 2.48% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SALT LAKE CITY, UT 84115 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 22.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | ASSURITY LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.34% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS, INC. | 886 EAST 3200 NORTH KAMAS, UT 84036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $2 | $171 | 3.82% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $4 | $67 | 1.50% |
| JILL HUGHES3 | 6510 SOUTH TAMRA DRIVE TAYLORSVILLE, UT 84129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $3 | $55 | 1.23% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES | 19 EAST 200 SOUTH SALT LAKE CITY, UT 84111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 1.19% |
| 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 | 0.69% |
| DESIREE ROBERTSON3 | 5691 SOUTH STONE BLUFF WAY SALT LAKE CITY, UT 84118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.38% |
| MJ INSURANCE3 Filed as: TOM GILLIGAN AND VARIOUS AGENTS | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.20% |
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. |
| 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 221 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 217 | $98K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 217 | $98K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 168 | $43K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 7 | $4K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 168 | $43K |
| Prescription drug | SELECTHEALTH | 221 | $1.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 168 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.