| 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 | $139K | $40K | $178K | 4.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | ACE AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 6.11% |
| ERIK SNOW3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | UNITED HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.86% |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 68 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 941 | $4.3M |
| Dental(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 557 | $709K |
| Vision(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 557 | $709K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 534 | $120K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 534 | $120K |
| Prescription drug(2 contracts, 2 carriers) | SELECTHEALTH | 941 | $4.3M |
| Other | UNITED HERITAGE LIFE INSURANCE COMPANY | 534 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.