| 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 | $653K | $0 | $653K | 21.88% |
| MICHAEL PARKER3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $0 | $25K | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | $0 | $22K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | $0 | $78 | 0.00% |
| MERGE FINANCIAL SOLUTIONS, LLC3 | 4701 WEST 2100 SOUTH SALT LAKE CITY, UT 84120 | SYMETRA LIFE INSURANCE COMPANY | $121K | $0 | $121K | 11.60% |
| MERGE FINANCIAL SOLUTIONS, LLC3 | 4701 WEST 2100 SOUTH SALT LAKE CITY, UT 84120 | U.S. LEGAL SERVICES, INC. | $0 | $6K | $6K | 24.00% |
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 | 2,071 | 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) | 2,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,127 | $3.0M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,298 | $1.0M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,298 | $1.0M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,127 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,127 | — |
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.