| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $223K | $0 | $223K | 10.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $103K | $0 | $103K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $89K | $89K | 4.09% |
| MERGE FINANCIAL SOLUTIONS, LLC3 Filed as: MERGE FINANCIAL COMPANIES, LLC | UNKNOWN SALT LAKE CITY, UT 84120 | COMBINED INSURANCE COMPANY OF AMERICA | $599K | $0 | $599K | 29.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | COMBINED INSURANCE COMPANY OF AMERICA | $277K | $0 | $277K | 13.69% |
| BENEFITS ALL INSURANCE, LLC3 | UNKNOWN SALT LAKE CITY, UT 84120 | COMBINED INSURANCE COMPANY OF AMERICA | $136K | $0 | $136K | 6.72% |
| MERGE FINANCIAL SOLUTIONS, LLC3 Filed as: MERGE FINANCIAL SOLUTIONS | UNKNOWN SALT LAKE CITY, UT 84120 | U.S. LEGAL SERVICES, INC. | $7K | — | $7K | 16.28% |
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | UNKNOWN SALT LAKE CITY, UT 84120 | U.S. LEGAL SERVICES, INC. | $2K | $0 | $2K | 4.99% |
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 | 1,384 | 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) | 1,384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,751 | $4.2M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,751 | $2.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,751 | $2.2M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,751 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,751 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.