| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | J DOUG TAYLOR 6967 RIVER GATE DR STE 200 SALT LAKE CITY, UT 84047 | REGENCE BLUE CROSS BLUE SHIELD | $24K | $7K | $31K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | DOUG TAYLOR 6340 SOUTH 3000 EAST SUITE 500 SALT LAKE CITY, UT 84121 | EDUCATORS MUTUAL PLANS LIFE ACCIDENT AND HEALTH INC | $3K | — | $3K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 S RIVER GATE DR #200 MIDVALE, UT 84047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $402 | $1K | $2K | 4.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE CO | $3K | — | $3K | 11.04% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE CO | $925 | — | $925 | 3.12% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE CO | $261 | — | $261 | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE CO | — | $169 | $169 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 S RIVER GATE DR #200 MIDVALE, UT 84047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $274 | $707 | $981 | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.51% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $290 | — | $290 | 2.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $83 | $83 | 0.62% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 S RIVER GATE DR #200 MIDVALE, UT 84047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $175 | $413 | $588 | 5.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LLIFE INSURANCE COMPANIES | $693 | — | $693 | 12.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 S RIVER GATE DR #200 MIDVALE, UT 84047 | THE LINCOLN NATIONAL LLIFE INSURANCE COMPANIES | $50 | $214 | $264 | 4.58% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | — | — | $0 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 SOUTH 3000 EAST SUITE 670 SALT LAKE CITY, UT 84121 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | — | — | $0 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR MIDVALE, UT 84047 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | — | — | $0 | — |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE CROSS BLUE SHIELD | 131 | $805K |
| Dental | EDUCATORS MUTUAL PLANS LIFE ACCIDENT AND HEALTH INC | 148 | $53K |
| Vision(2 contracts, 2 carriers) | REGENCE BLUE CROSS BLUE SHIELD | 131 | $805K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $20K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.