| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $148K | $94K | $242K | 2.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD SUITE 1100 CHICAGO, IL 60604 | LIFEMAP ASSURANCE COMPANY | $51K | $4K | $55K | 13.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | OPTICARE VISION SERVICES | $5K | $0 | $5K | 10.61% |
| RALPH A. BLACKWELDER3 | UNKNOWN ROOSEVELT, UT 84066 | COMBINED INSURANCE COMPANY OF AMERICA | -$2K | $0 | -$2K | -10.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | COMBINED INSURANCE COMPANY OF AMERICA | -$13K | $0 | -$13K | -87.30% |
| WORKPLACE CONSULTING, LLC3 | 15043 WEST COLUMBINE DRIVE SURPRISE, AZ 85379 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $183 | $0 | $183 | 12.27% |
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 | 1,283 | $10.2M |
| Vision | OPTICARE VISION SERVICES | 1,238 | $50K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 617 | $413K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 617 | $413K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 617 | $413K |
| Prescription drug | SELECTHEALTH | 1,283 | $10.2M |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 617 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,283 | — |
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.