| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6330 SOUTH 3000 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $296K | — | $296K | 16.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $5K | $62K | 10.54% |
| FRINGE BENEFIT ANALYSTS LLC3 Filed as: FRINGE BENEFIT ANALYSTS, LLC | 393 WEST GORDON AVENUE, SUITE 1 LAYTON, UT 84041 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $3K | $42K | 7.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $9K | $60K | 17.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6330 SOUTH 3000 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | ALLSTATE | $12K | — | $12K | 6.65% |
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | 1776 AHL DRIVE JACKOSNVILLE, FL 32224 | ALLSTATE | $12K | — | $12K | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 10.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | — | $209 | $209 | 1.64% |
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 | 1,391 | 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) | 1,391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 1,391 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,706 | $1.8M |
| Vision | OPTICARE OF UTAH | 1,391 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,655 | $932K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,655 | $588K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,655 | $588K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF UTAH | 1,391 | $0 |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,655 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,655 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.