| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $50K | $13K | $63K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $10K | $116 | $10K | 10.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6340 SOUTH 3000 EAST, SUITE 500 SALT LAKE CITY, UT 84121 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $5K | $0 | $5K | 6.00% |
| DARRELL RAWLINS3 | 8338 MESA DRIVE SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 23.18% |
| BRETT BULLOCK3 | 10219 SOUTH 670 WEST PARADISE, UT 84328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $185 | $0 | $185 | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | OPTICARE VISION SERVICES | $836 | $0 | $836 | 10.00% |
| DARRELL RAWLINS3 | 8338 SOUTH MESA DRIVE SANDY, UT 84093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $426 | $0 | $426 | 10.19% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS INC. | 886 EAST 3200 NORTH KAMAS, UT 84036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $385 | $28 | $413 | 9.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE MIDVALE, UT 84047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $350 | $51 | $401 | 9.60% |
| JILL HUGHES3 | 6510 TAMARA DRIVE SALT LAKE CITY, UT 84129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $295 | $51 | $346 | 8.28% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 249 | $1.3M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 278 | $87K |
| Vision | OPTICARE VISION SERVICES | 52 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 156 | $96K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 9 | $4K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 156 | $96K |
| Prescription drug | SELECTHEALTH | 249 | $1.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 156 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.