| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVERGATE DR, STE 200 MIDVALE, UT 84047 | SELECT HEALTH | $42K | $20K | $62K | 3.15% |
| 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 | $8K | $944 | $9K | 11.19% |
| 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 | $513 | $5K | 11.07% |
| 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 | $146 | $1K | 11.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $752 | $95 | $847 | 11.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E, STE 670 SALT LAKE CITY, UT 84121 | OPTICARE OF UTAH | $647 | — | $647 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12 | $12 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E, STE 500 SALT LAKE CITY, UT 84121 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH | — | — | $0 | — |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 731 | $2.0M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH | 440 | $0 |
| Vision | OPTICARE OF UTAH | 39 | $6K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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.