| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $89K | $30K | $119K | 3.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 10.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD SUITE 1000 CHICAGO, IL 60605 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $802 | $802 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 31.93% |
| TIMOTHY B. CRAIG3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 SUITE 1000 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $2 | $0 | $2 | 0.01% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 755 | $3.3M |
| Dental | STANDARD INSURANCE COMPANY | 214 | $203K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 214 | $222K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 321 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 321 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 321 | $64K |
| Prescription drug | SELECTHEALTH | 755 | $3.3M |
| Other(3 contracts, 3 carriers) | SELECTHEALTH | 755 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 755 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.