| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | INC 2 PIERCE PL ITASCA, IL 601431203 | VISION SERVICE PLAN | $118K | — | $118K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VRX LLC EIN 27-1175996 NA | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $8.4M |
| GRANITE ALLIANCE INSURANCE COMPANY EIN 46-1792156 NA | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $2.9M |
| UNITED HEALTHCARE-UMR NA | Other services; Direct payment from the plan Service code 49 | 115 W WAUSAU AVE WAUSAU, WI 54401 | $2.5M |
| KIRTON MCCONKIE EIN 87-0375296 NA | Legal; Direct payment from the plan Service code 29 | — | $384K |
| TC3 HEALTH, INC NA | Claims processing; Direct payment from the plan Service code 12 | 19732 MACARTHUR BLVD, SUITE 100 IRVINE, CA 92612 | $343K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NA | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $228K |
| GROUP REINSURANCE PLUS NA | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 200 HOPMEADOW STREET SIMSBURY, CT 06089 | $187K |
| ZIONS BANCORPORATION EIN 87-0467790 NA | Direct payment from the plan; Other services Service code 49 | — | $181K |
| FISHER INVESTMENTS EIN 20-2480800 NA | Investment management fees paid directly by plan; Investment management Service code 28 | — | $146K |
| GHI-MEDICARE/COBC NA | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | PO BOX 13334 NEWARK, NJ 07101 | $143K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NA | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $109K |
| CHANGE HEALTHCARE ENGAGEMENT SOLUTI EIN 45-3637794 NA | Direct payment from the plan; Other services Service code 49 | — | $98K |
| LEVINE LEICHTMAN CAPITAL PARTNERS EIN 95-4475693 NA | Investment management; Investment management fees paid directly by plan Service code 28 | — | $60K |
| COLLINS LACY EIN 57-0989944 NA | Legal; Direct payment from the plan Service code 29 | — | $59K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 NA | Investment management fees paid directly by plan; Investment management Service code 28 | — | $50K |
| DESERET TRUST CORPORATION EIN 87-0291656 AFFILIATE OF SPONSOR | Custodial (securities); Direct payment from the plan Service code 19 | — | $50K |
| ZAZOVE ASSOCIATES, LLC EIN 36-3984373 NA | Investment management; Investment management fees paid directly by plan Service code 28 | — | $37K |
| SIDLEY AUSTIN LLP NA | Legal; Direct payment from the plan Service code 29 | 1501 K STREET, NW WASHINGTON DC, DC 20005 | $35K |
| HORIZON KINETICS EIN 13-3776334 NA | Investment management; Legal Service code 28 | — | $28K |
| CLARION PARTNERS NA | Investment management fees paid directly by plan; Investment management Service code 28 | 230 PARK AVENUE NEW YORK, NY 10169 | $25K |
| EAGLE CAPITAL MANAGEMENT LLC EIN 22-3361201 NA | Investment management fees paid directly by plan; Soft dollars commissions Service code 51 | — | $25K |
| HARRISON STREET EIN 43-3147571 NA | Investment management; Investment management fees paid directly by plan Service code 28 | — | $23K |
| W.H. REAVES & CO., INC. EIN 22-2169066 NA | Investment advisory (plan); Investment management; Investment management fees paid directly by plan Service code 27 | — | $20K |
| INTERLINK HEALTH SERVICES NA | Direct payment from the plan; Other services Service code 49 | 4660 N.E. BELKNAP COURT, SUITE 209 HILLSBORO, OR 97124 | $18K |
| MDX OF HAWAII NA | Claims processing; Direct payment from the plan Service code 12 | TWO WATERFRONT PLAZA, SUITE 200 500 ALA MOANA BLVD HONOLULU, HI 96813 | $17K |
| LIFETRAC INC. NA | Other services; Direct payment from the plan Service code 49 | 11100 WAYZATA BOULEVARD, SUITE 350 MINNEAPOLIS, MN 55305 | $17K |
| HOLLAND & HART LLP EIN 84-0382505 NA | Legal; Direct payment from the plan Service code 29 | — | $16K |
| BLOOMBERG NA | Other services; Direct payment from the plan Service code 49 | 731 LEXINGTON AVENUE NEW YORK, NY 10022 | $14K |
| FACTSET EIN 13-3362547 NA | Direct payment from the plan; Other services Service code 49 | — | $11K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NA | Investment management; Investment management fees paid directly by plan Service code 28 | — | $10K |
| TRANSFIRST NA | Other services; Direct payment from the plan Service code 49 | 12202 AIRPORT WAY, SUITE 100 BROOMFIELD, CO 80021 | $9K |
| DELOITTE TAX LLP EIN 86-1065772 NA | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $8K |
| CENTURY FUNDS MANAGEMENT EIN 87-0381220 NA | Investment management fees paid directly by plan; Investment management Service code 28 | — | $6K |
| FTSE INTERNATIONAL LTD NA | Investment management fees paid directly by plan; Other services Service code 49 | — | $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 | 20,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,340 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2,137 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 30,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALTIUS HEALTH PLAN | 2,158 | $9.4M |
| Vision | VISION SERVICE PLAN | 11,570 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,570 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.