| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 84041 | SELECTHEALTH | $52K | $17K | $70K | 4.00% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 84041 | SELECTHEALTH | $17K | $6K | $22K | 4.00% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 84041 | SELECTHEALTH | $16K | $5K | $22K | 4.00% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 W. GORDON AVE #1 LAYTON, UT 84041 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | — | $6K | 2.48% |
| GCG FINANCIAL LLC3 Filed as: BANASKY, AN ALERA INSURANCE AGENCY, | 913 W BAXTER DR SOUTH JORDAN, UT 84095 | STANDARD INSURANCE COMPANY | $8K | $761 | $8K | 4.49% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 84041 | SELECTHEALTH | $4K | $1K | $6K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: BANASKY, AN ALERA INSURANCE AGENCY, | 913 W BAXTER DR SOUTH JORDAN, UT 84095 | STANDARD INSURANCE COMPANY | $4K | $580 | $4K | 5.50% |
| GCG FINANCIAL LLC3 Filed as: BANASKY, AN ALERA INSURANCE AGENCY, | 913 W BAXTER DR SOUTH JORDAN, UT 84095 | STANDARD INSURANCE COMPANY | $4K | $337 | $5K | 9.88% |
| GCG FINANCIAL LLC3 Filed as: BANASKY, AN ALERA INSURANCE AGENCY, | 913 W BAXTER DR SOUTH JORDAN, UT 84095 | STANDARD INSURANCE COMPANY | $3K | $336 | $3K | 6.97% |
| GCG FINANCIAL LLC3 Filed as: BANASKY, AN ALERA INSURANCE AGENCY, | 913 W BAXTER DR SOUTH JORDAN, UT 84095 | STANDARD INSURANCE COMPANY | $733 | $275 | $1K | 2.99% |
| FRINGE BENEFIT ANALYSTS LLC3 | PO BOX 336 LAYTON, UT 84041 | SELECTHEALTH | $2K | $527 | $2K | — |
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 | 396 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | SELECTHEALTH | 269 | $3.2M |
| Dental | STANDARD INSURANCE COMPANY | 340 | $186K |
| Vision | STANDARD INSURANCE COMPANY | 295 | $34K |
| Life insurance | STANDARD INSURANCE COMPANY | 709 | $74K |
| Short-term disability | STANDARD INSURANCE COMPANY | 147 | $46K |
| Long-term disability | STANDARD INSURANCE COMPANY | 110 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.