| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $167K | $119K | $286K | 2.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $31K | $250 | $32K | 6.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | COMBINED INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 27.12% |
| RALPH A. BLACKWELDER3 | UNKNOWN ROOSEVELT, UT 84066 | COMBINED INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 6.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | COMBINED INSURANCE | $11K | $0 | $11K | 24.83% |
| BENEFITS ALL IN LLC3 Filed as: BENEFITS ALL IN, LLC | UNKNOWN ROOSEVELT, UT 84066 | COMBINED INSURANCE | $985 | $0 | $985 | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 10.00% |
| WORKPLACE CONSULTING, LLC4 | 15043 WEST COLUMBINE DRIVE SURPRISE, AZ 85379 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 7.00% |
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 | 804 | 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) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 1,337 | $11.9M |
| Vision | OPTICARE VISION SERVICES | 804 | $0 |
| Life insurance | USABLE LIFE | 1,030 | $487K |
| Short-term disability | USABLE LIFE | 1,030 | $487K |
| Long-term disability | USABLE LIFE | 1,030 | $487K |
| Prescription drug | SELECTHEALTH | 1,337 | $11.9M |
| Other(4 contracts, 4 carriers) | USABLE LIFE | 1,030 | $670K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,337 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.