| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $67K | $22K | $89K | 4.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | DELTA DENTAL INSURANCE COMPANY | $17K | $0 | $17K | 10.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $921 | $7K | 11.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 25.69% |
| TIMOTHY B. CRAIG3 Filed as: TIMOTHY M. CRAIG | 12002 SOUTH MILONA DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $806 | $0 | $806 | 6.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $250 | $65 | $315 | 12.62% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 658 | $2.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 621 | $167K |
| Vision | VISION SERVICE PLAN | 106 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $56K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $56K |
| Prescription drug | SELECTHEALTH | 658 | $2.1M |
| Other(4 contracts, 3 carriers) | SELECTHEALTH | 658 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.