| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | VISION SERVICE PLAN | $220K | — | $220K | 6.99% |
| MULTI AGENT SYSTEM CORP3 | — | MAPFRE LIFE INSURANCE COMPANY OF PR | $6K | — | $6K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO NA | Direct payment from the plan; Other services Service code 49 | 115 WEST WAUSAU AVE WAUSAU, WI 54401 | $2.8M |
| CHANGE HEALTHCARE SOLUTIONS LLC EIN 45-3637794 NA | Other services; Direct payment from the plan Service code 49 | — | $779K |
| CHANGE HEALTHCARE ENGAGEMENT SOLUTI NA | Direct payment from the plan; Other services Service code 49 | PO BOX 572490 MURRAY, UT 84157 | $346K |
| RX SAVINGS SOLUTIONS EIN 26-3642434 NA | Other services; Direct payment from the plan Service code 49 | — | $337K |
| METLIFE EIN 13-5581829 NA | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $254K |
| HEALTHTRIO LLC EIN 26-0725535 NA | Direct payment from the plan; Other services Service code 49 | — | $196K |
| ZIONS NA | Other services; Direct payment from the plan Service code 49 | ONE SOUTH MAIN 11TH FLOOR SALT LAKE CITY, UT 84133 | $191K |
| DELOITTE EIN 13-3891517 NA | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $144K |
| GDIT NA | Direct payment from the plan; Other services Service code 49 | PO BOX 829968 PHILADELPHIA, PA 19182 | $122K |
| PSG CONSULTING LLC EIN 27-2345574 NA | Direct payment from the plan; Other services Service code 49 | — | $116K |
| KIRTON MCCONKIE EIN 87-0375296 NA | Legal; Direct payment from the plan Service code 29 | — | $76K |
| SIDLEY AUSTIN LLP EIN 36-4474078 NA | Direct payment from the plan; Other services Service code 49 | — | $63K |
| INSPIRED PERSPECTIVES LLC EIN 37-1605756 NA | Other services; Direct payment from the plan Service code 49 | — | $47K |
| RJ HEALTH SYSTEMS NA | Direct payment from the plan; Other services Service code 49 | 30 COLD SPRINGS RD ROCKY HILL, CT 06067 | $26K |
| ZAZOVE ASSOCIATES LLC EIN 36-3984373 NA | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $25K |
| MDX EIN 99-0283091 NA | Direct payment from the plan; Other services Service code 49 | — | $23K |
| DESERET TRUST COMPANY EIN 87-0291656 AFFILIATE OF SPONSOR | Other investment fees and expenses; Custodial (securities) Service code 19 | — | $16K |
| BMO ASSET MANAGEMENT CORP EIN 36-3673844 NA | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $16K |
| EAGLE CAPITAL MANAGEMENT EIN 22-3361201 NA | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $11K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NA | Investment management fees paid directly by plan Service code 51 | — | $10K |
| FACTSET RESEARCH SYSTEMS INC NA | Other services; Direct payment from the plan Service code 49 | PO BOX 414756 BOSTON, MA 02241 | $10K |
| DELOITTE TAX EIN 86-1065772 NA | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| FISHER INVESTMENTS EIN 20-2480800 NA | Investment management fees paid directly by plan Service code 51 | — | $8K |
| BLOOMBERG FINANCE LP NA | Other services; Direct payment from the plan Service code 49 | 731 LEXINGTON AVE NEW YORK, NY 10022 | $7K |
| CLEARWATER ANALYTICS NA | Direct payment from the plan; Other services Service code 49 | 777 WEST MAIN STREET STE 900 BOISE, ID 83702 | $7K |
| IMAXSOFT CORPORATION NA | Other services; Direct payment from the plan Service code 49 | PO BOX 1222 CUPERTINO, CA 95015 | $7K |
| PRUDENTIAL INSURANCE CO EIN 22-1211670 NA | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 51 | — | $6K |
| STATE STREET GLOBAL ADVISORS TRUST EIN 81-4017137 NA | Custodial (securities); Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 19 | — | $3K |
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 | 20,087 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,182 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2,143 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 31,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MAPFRE LIFE INSURANCE COMPANY OF PR | 10 | $128K |
| Vision | VISION SERVICE PLAN | 14,870 | $3.1M |
| Other | BEACON HEALTH OPTIONS, INC. | 38,464 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,464 | — |
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."
No prospect flags tripped on this filing.