| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALAGHER BENEFIT SERVICES | 6967 S RIVERGATE DRIVE STE 200 MIDVALE, UT 84047 | SELECTHEALTH | $133K | $63K | $197K | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS GROUP | 6967 S RIVERGATE DRIVE STE 200 MIDVALE, UT 84047 | SELECT BENEFITS GROUP INC DBA DENTAL SELECT | $5K | — | $5K | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6967 RIVER GATE DRIVE STE 200 MIDVALE, UT 84047 | LIFEMAP ASSURANCE COMPANY | $35K | $2K | $37K | 13.56% |
| CLARK HARDELL AGENCY LLC3 | 10176 S BELL CANYON ROAD SANDY, UT 84092 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 12.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 RIVERGATE DRIVE STE 200 MIDVALE, UT 84047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 12.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVERGATE DRIVE STE 200 MIDVALE, UT 84121 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 8.85% |
| MGIS3 | 111 S MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6967 S RIVERGATE DRIVE STE 200 MIDVALE, UT 84121 | OPTICARE OF UTAH | $3K | — | $3K | 10.00% |
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 | 2,724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 2,734 | $6.4M |
| Dental | SELECT BENEFITS GROUP INC DBA DENTAL SELECT | 390 | $402K |
| Vision(2 contracts, 2 carriers) | SELECTHEALTH | 2,734 | $6.4M |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 464 | $275K |
| Long-term disability(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 464 | $335K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 427 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,734 | — |
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.