| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6330 SOUTH 3000 EAST SUITE 670 SALT LAKE CITY, UT 84121 | SELECT HEALTH | $38K | $13K | $51K | 2.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E STE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $437 | $8K | 10.59% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | 101 SOUTH 200 EAST STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $569 | $569 | 0.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E STE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $242 | $4K | 10.63% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO. | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $320 | $320 | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E STE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $63 | $1K | 10.60% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO. | 101 SOUTH 200 EAST STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $87 | $87 | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E STE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $749 | $48 | $797 | 10.65% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $65 | $65 | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E SUTIE 670 SALT LAKE CITY, UT 84121 | OPTICARE OF UTAH | $616 | — | $616 | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E STE 500 SALT LAKE CITY, UT 84121 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | — | — | $0 | — |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | 101 SOUTH 200 EAST STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9 | $9 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICE | 6330 S 3000 E STE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | — |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 351 | $1.8M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 436 | $0 |
| Vision | OPTICARE OF UTAH | 46 | $6K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $81K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 45 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.