| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERGE FINANCIAL SOLUTIONS, LLC3 | 4701 WEST 2100 SOUTH SALT LAKE CITY, UT 84120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $492K | $0 | $492K | 18.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6330 SOUTH 3000 EAST, SUITE 67 SALT LAKE CITY, UT 84121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | $0 | $38K | 1.42% |
| MICHAEL PARKER3 | 600 WEST GERMANTOWN PIKE, SUITE 171 PLYMOUTH MEETING, PA 19462 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $0 | $19K | 0.71% |
| MERITAIN HEALTH3 Filed as: ENROLLMENT SOLUTIONS ADMINISTRATORS | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISIE, ID 83713 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.07% |
| MERGE FINANCIAL SOLUTIONS, LLC3 | 4701 WEST 2100 SOUTH SALT LAKE CITY, UT 84120 | SYMETRA LIFE INSURANCE COMPANY | $110K | $0 | $110K | 13.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $3K | $256 | $3K | 8.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $556 | $41 | $597 | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $76 | $76 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $35 | $35 | 0.11% |
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 | 3,526 | 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) | 3,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 8,287 | $2.7M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,380 | $824K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,380 | $824K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 8,287 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,287 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.