| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E SUITE 500 SALT LAKE CITY, UT 84121 | SELECTHEALTH | $58K | $20K | $78K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6340 S 3000 S STE 500 SALT LAKE CITY, UT 84121 | RELIANCE STANDARD | $18K | $3K | $21K | 15.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 6330 SOUTH 3000 EAST SUITE 670 SALT LAKE CITY, UT 84121 | SELECTHEALTH | $630 | $214 | $844 | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6340 S 3000 E STE 500 SALT LAKE CITY, UT 84121 | RELIANCE STANDARD | $10K | $0 | $10K | 41.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 6340 S 3000 E SUITE 500 SALT LAKE CITY, UT 84121 | $110K |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 819 | $4.7M |
| Dental | RELIANCE STANDARD | 225 | $25K |
| Long-term disability | RELIANCE STANDARD | 211 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.