| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 84070 | REGENCE | $17K | $6K | $23K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 84070 | REGENCE | $15K | $5K | $20K | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 84070 | DENTAL SELECT | $3K | $0 | $3K | 7.00% |
| LANE P MORGAN3 Filed as: LANE MORGAN | 672 CYNTHIA LN SANTA CLARA, UT 84765 | AFLAC | $5K | $237 | $5K | 10.94% |
| STANLEY H POOLE3 Filed as: STANLEY POOLE | 1810 CENTENNIAL DR ST GEORGE, UT 84770 | AFLAC | $414 | $0 | $414 | 0.90% |
| JUDSON T LAW3 Filed as: JUDSON LAW | 7654 WILLOW WALK LN EAGLE MOUTNAIN, UT 84005 | AFLAC | $294 | $4 | $298 | 0.65% |
| ADAM ANTHEN AYLWORTH3 | 724 COUNTRY LN SANTA CLARA, UT 84765 | AFLAC | $244 | $0 | $244 | 0.53% |
| MARK LUDWIG3 | 376 E DESERET GARDENS LN IVINS, UT 84736 | AFLAC | $179 | $43 | $222 | 0.48% |
| KIEFER GROUP INSURANCE AGENCY LLC3 Filed as: KIEFER GROUP INS AGCY LC | 166 INERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $171 | $0 | $171 | 0.37% |
| ERICKSEN INC3 Filed as: ERICKSEN, INC | 478 W ROSEMARY PLACE SARATOGA SPRINGS, UT 84045 | AFLAC | $153 | $0 | $153 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 84070 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 15.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 84070 | DENTAL SELECT | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 84121 | $54K |
| LANE MORGAN ADMINISTRATOR | Contract Administrator Service code 13 | 672 CYNTHIA LN SANTA CLARA, UT 84765 | $5K |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE | 266 | $994K |
| Dental | DENTAL SELECT | 78 | $48K |
| Vision | DENTAL SELECT | 49 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $45K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $45K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $45K |
| Other | AFLAC | 40 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.