| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | VISION SERVICE PLAN | $134K | — | $134K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VRX PHARMACY EIN 27-1175996 NA | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $7.7M |
| GRANITE ALLIANCE EIN 46-1792156 NA | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $3.3M |
| UNITEDHEALTHCARE NA | Direct payment from the plan; Other services Service code 49 | 115 WEST WAUSAU AVE WAUSAU, WI 54401 | $2.3M |
| TC3 HEALTH NA | Claims processing; Direct payment from the plan Service code 12 | 19732 MACARTHUR BLVD SUITE 100 IRVINE, CA 92612 | $594K |
| METLIFE EIN 13-5581829 NA | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $312K |
| ZIONS BANK EIN 87-0467790 NA | Direct payment from the plan; Other services Service code 49 | — | $263K |
| CHANGE HEALTH ENGAGE SOLUTIONS EIN 45-3637794 NA | Other services; Direct payment from the plan Service code 49 | — | $208K |
| KIRTON MCCONKIE EIN 87-0375296 NA | Legal; Direct payment from the plan Service code 29 | — | $196K |
| FISHER INVESTMENTS EIN 20-2480800 NA | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $164K |
| DELOITTE EIN 13-3891517 NA | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $145K |
| GHI MEDICARE NA | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | PO BOX 13334 NEWARK, NJ 07101 | $142K |
| GROUP REINSURANCE PLUS NA | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 200 HOPMEADOW STREET SIMSBURY, CT 06089 | $104K |
| DESERET TRUST COMPANY EIN 87-0291656 AFFILIATE OF SPONSOR | Custodial (securities); Other investment fees and expenses Service code 19 | — | $67K |
| INTERLINK HEALTH SERVICES NA | Direct payment from the plan; Other services Service code 49 | 4660 N.E. BELKNAP COURT SUITE 209 HILLSBORO, OR 97124 | $67K |
| ZAZOVE ASSOCIATES LLC EIN 36-3984373 NA | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $59K |
| PRUDENTIAL INSURANCE CO EIN 22-1211670 NA | Investment management Service code 28 | — | $53K |
| RJ HEALTH SYSTEMS NA | Direct payment from the plan; Other services Service code 49 | 30 COLD SPRINGS RD ROCKY HILL, CT 06067 | $36K |
| NEUBERGER BERMAN INVEST ADV LLC NA | Soft dollars commissions; Investment management Service code 28 | 1290 AVE OF THE AMERICAS NEW YORK, NY 10104 | $13K |
| W.H. REAVES AND CO INC EIN 22-2169066 NA | Investment management; Investment management fees paid directly by plan Service code 28 | — | $13K |
| BLOOMBERG NA | Direct payment from the plan; Other services Service code 49 | 731 LEXINGTON AVE NEW YORK, NY 10022 | $13K |
| EAGLE CAPITAL MANAGEMENT EIN 22-3361201 NA | Investment management; Soft dollars commissions Service code 28 | — | $12K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NA | Investment management; Investment management fees paid directly by plan Service code 28 | — | $10K |
| DELOITTE TAX EIN 86-1065772 NA | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| CLEARWATER ANALYTICS NA | Other services; Direct payment from the plan Service code 49 | 777 WEST MAIN STREET SUITE 900 BOISE, ID 83702 | $8K |
| FRANK RUSSELL COMPANY NA | Other services; Direct payment from the plan Service code 49 | 1201 THIRD AVENUE SUITE 2500 SEATTLE, WA 98101 | $6K |
| CENTURY FUNDS MANAGEMENT INC EIN 87-0381220 NA | Investment management Service code 28 | — | $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 | 20,835 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,564 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2,258 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 31,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,221 | $9.0M |
| Vision | VISION SERVICE PLAN | 13,465 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,465 | — |
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.