| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $55K | $14K | $69K | 4.99% |
| 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% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $5K | $1K | $7K | 14.75% |
| DARRELL RAWLINS3 | 8338 MESA DRIVE SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 21.78% |
| BRETT BULLOCK3 | 664 NORTH MAIN STREET, SUITE 101 LOGAN, UT 84321 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | $0 | $211 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6550 SOUTH MILLROCK DRIVE SUITE 300 SALT LAKE CITY, UT 84121 | OPTICARE VISION SERVICES | $991 | $0 | $991 | 9.89% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS, INC. | 886 EAST 3200 NORTH KAMAS, UT 84036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $345 | $15 | $360 | 9.61% |
| DARRELL RAWLINS3 | 8338 MESA DRIVE SANDY, UT 84093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $303 | $0 | $303 | 8.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE MIDVALE, UT 84047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $270 | $1 | $271 | 7.23% |
| JILL HUGHES3 | 6510 TAMARA DRIVE SALT LAKE CITY, UT 84129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $202 | $8 | $210 | 5.60% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 243 | $1.4M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 282 | $86K |
| Vision | OPTICARE VISION SERVICES | 147 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 141 | $46K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $4K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 141 | $46K |
| Prescription drug | SELECTHEALTH | 243 | $1.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.