| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BERKLEY LIFE & HEALTH INS CO | $111K | — | $111K | 9.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 6967 S RIVER GATE DR MIDVALE, UT 84047 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 8.46% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS & INS | 2353 BEAR HILLS CIRCLE DRAPER, UT 84020 | HARTFORD LIFE AND ACCIDENT | $28K | — | $28K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | — | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.84% |
| PRESIDIO BENEFITS GROUP, INC.3 Filed as: THE PRESIDIO GROUP / TODD WADE | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH,INC | $6K | — | $6K | 4.00% |
| PRESIDIO BENEFITS GROUP, INC.3 Filed as: THE PRESIDIO GROUP / TODD WADE | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH,INC | $2K | — | $2K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $709K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $206K |
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 CLAIMS PROCESSING | Claims processing Service code 12 | — | $6K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $3K |
| OPTUMRX, INC. | Other fees; Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $0 |
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 | 471 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH,INC | 527 | $147K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH,INC | 488 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 563 | $345K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 563 | $345K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 450 | $1.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 563 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.