| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $28K | $9K | $38K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $13K | $514 | $13K | 13.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $29 | $0 | $29 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $6 | $6 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 6.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 26.25% |
| NEENA W BEVERLY3 Filed as: NEENA WITT BEVERLY | 1888 EAST 6400 SOUTH HOLLADAY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | $0 | -$1 | -0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$328 | $0 | -$328 | -2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | PRINCIPAL LIFE INSURANCE COMPANY | $575 | $0 | $575 | 9.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE MIDVALE, UT 84047 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $762 | $0 | $762 | 13.48% |
| HIGH POINT ALIANCE4 | 1119 EAST BIRCHBROOK CIRCLE COTTONWOOD HEIGHTS, UT 84047 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $350 | $0 | $350 | 7.52% |
| D'ANN DABELL4 Filed as: D. ANN DABELL | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $119 | $0 | $119 | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $76 | $0 | $76 | 1.63% |
| JUDY E. BAIRD4 | PO BOX 938 KAMAS, UT 84036 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $60 | $0 | $60 | 1.29% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS AD | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $51 | $0 | $51 | 1.10% |
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 | 87 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 194 | $948K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 70 | $87K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 83 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 88 | $100K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 13 | $6K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 88 | $100K |
| Prescription drug | SELECTHEALTH | 194 | $948K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 88 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.