| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLDENWEST INSURANCE SERVICES3 | 5025 S. ADAMS AVE OGDEN, UT 84403 | SELECTHEALTH | $33K | $31K | $63K | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVERGATE DRIVE STE 200 MIDVALE, UT 84047 | SELECTHEALTH | $13K | $12K | $25K | 0.58% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $265 | — | $265 | 0.43% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $239 | $239 | 0.39% |
| GOLDENWEST INSURANCE SERVICES3 Filed as: GOLDENWEST FEDERAL CREDIT UNION | 5025 S.ADAMS AVE OGDEN, UT 84403 | EMI HEALTH | $1K | — | $1K | 3.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6340 SOUTH 3000 EAST SUITE 500 SALT LAKE CITY, UT 84121 | EMI HEALTH | $644 | — | $644 | 1.66% |
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 | 452 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 823 | $4.4M |
| Dental | SELECTHEALTH | 823 | $4.4M |
| Vision | EMI HEALTH | 505 | $39K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 449 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 449 | $62K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 823 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.