| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BANASKY AN ALERA INS AGENCY LLC | 913 W. BAXTER DRIVE SOUTH JORDAN, UT 84095 | SELECTHEALTH | $76K | $25K | $102K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: BANASKY AN ALERA INS AGENCY LLC | 872 HERITAGE PARK BLVD STE 205 LAYTON, UT 840415672 | AMERITAS LIFE INSURANCE CORP | $6K | $0 | $6K | 6.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | PO BOX 64790 LUBBOCK, TX 794644790 | AMERITAS LIFE INSURANCE CORP | $0 | $938 | $938 | 1.00% |
| GCG FINANCIAL LLC3 Filed as: BANASKY AN ALERA INS AGCY LLC | 872 W HERITAGE PARK BLVD LAYTON, UT 84041 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.64% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $117 | $117 | 0.19% |
| GCG FINANCIAL LLC3 Filed as: BANASKY AN ALERA INS AGENCY LLC | 872 W HERITAGE PARK BLVD LAYTON, UT 84041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.24% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $112 | $112 | 0.19% |
| GCG FINANCIAL LLC3 Filed as: BANASKY AN ALERA INS AGCY LLC | 872 W HERITAGE PARK BLVD LAYTON, UT 84041 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.46% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $65 | $65 | 0.22% |
| PAM ANDERSON & ASSOCIATES INC3 | 130 W 8600 S MIDVALE, UT 84047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 8.21% |
| FRINGE BENEFITS ANALYST LLC3 | 913 W BAXTER DRIVE SOUTH JORDAN, UT 84095 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.38% |
| STEPHANIE COLTRIN3 | 165 E KELSEY AVE SALT LAKE CITY, UT 84111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.97% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 | 1063 W ALBION VIEW CIR WEST JORDAN, UT 84088 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $5 | $103 | 0.57% |
| PERRY FINANCIAL GROUP3 Filed as: PERRY FINANCIAL GROUP INC | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.11% |
| PATTI A VINCENT3 | 3489 W 10305 S SOUTH JORDAN, UT 84095 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| ASHLEY ANDERSON3 | 130 W 8600 S MIDVALE, UT 84047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 312 | $2.6M |
| Dental | AMERITAS LIFE INSURANCE CORP | 411 | $94K |
| Vision | AMERITAS LIFE INSURANCE CORP | 411 | $94K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 308 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $58K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $60K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 308 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.