| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT ANALYSTS LLC3 Filed as: FRINGE BENEFIT ANALYSTS | DERU, MICHAEL 872 W HERITAGE PARK BLVD SUITE 205 LAYTON, UT 84041 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $11K | $7K | $18K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | WADE, DAVID MIDVALE, UT 84070 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $6K | $0 | $6K | 0.63% |
| GCG FINANCIAL LLC3 Filed as: BANASKY AN ALERA INSURANCE AGENCY L | LAPRAY, LUKE 913 W BAXTER DR SOUTH JORDAN, UT 84095 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $5K | $0 | $5K | 0.62% |
| GCG FINANCIAL LLC3 Filed as: BANASKY, AN ALERA INSURANCE AGENCY | 913 BAXTER DR SOUTH JORDAN, UT 84095 | HARTFORD LIFE AND ACCIDENT | $5K | $3K | $8K | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE BENEFIT ANALYSTS LLC ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 872 W HERITAGE PARK BLVD SUITE 205 LAYTON, UT 84041 | $18K |
| BANASKY, AN ALERA INSURANCE ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 913 BAXTER DR SOUTH JORDAN, UT 84095 | $8K |
| GALLAGHER BENEFIT SERVICES ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | WADE, DAVID MIDVALE, UT 84070 | $8K |
| BANASKY AN ALERA INSURANCE AGENCY ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 913 BAXTER DR SOUTH JORDAN, UT 84095 | $5K |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 105 | $879K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 127 | $644K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 127 | $644K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 127 | $644K |
| Other | HARTFORD LIFE AND ACCIDENT | 127 | $644K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.