| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | RELIANCE MATRIX | $67K | $0 | $67K | 9.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | $0 | $42K | 12.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | COMBINED INSURANCE COMPANY OF AMERICA | $91K | $0 | $91K | 69.31% |
| BENEFITS ALL INSURANCE, LLC3 | UNKNOWN SOUTH OGDEN, UT 84405 | COMBINED INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 8.95% |
| TRACEY HINRICHS3 | UNKNOWN SOUTH OGDEN, UT 84405 | COMBINED INSURANCE COMPANY OF AMERICA | $207 | $0 | $207 | 0.16% |
| MJ INSURANCE3 Filed as: MS BENEFITS AND VARIOUS AGENTS | UNKNOWN SOUTH OGDEN, UT 84405 | COMBINED INSURANCE COMPANY OF AMERICA | $133 | $0 | $133 | 0.10% |
| KC WOOD3 | UNKNOWN SOUTH OGDEN, UT 84405 | COMBINED INSURANCE COMPANY OF AMERICA | $113 | $0 | $113 | 0.09% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES, INC. | UNKNOWN SOUTH OGDEN, UT 84405 | COMBINED INSURANCE COMPANY OF AMERICA | $89 | $0 | $89 | 0.07% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | UNKNOWN SOUTH OGDEN, UT 84405 | COMBINED INSURANCE COMPANY OF AMERICA | $78 | $0 | $78 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | OPTICARE VISION SERVICES | $9K | $0 | $9K | 16.70% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 SOUTH 400 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | LEGAL ACCESS CONSULTING, LLC | $2K | $0 | $2K | 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 | 1,019 | 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) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | OPTICARE VISION SERVICES | 1,102 | $54K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE MATRIX | 1,019 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE MATRIX | 1,019 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE MATRIX | 1,019 | $1.0M |
| Other(4 contracts, 4 carriers) | RELIANCE MATRIX | 1,019 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,102 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.