| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $135K | $10K | $145K | 14.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $18K | $18K | 1.87% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 1201 ELM STREET, SUITE 4250 RENAISSANCE TOWER DALLAS, TX 75270 | TRANSAMERICA LIFE INSURANCE COMPANY | $164K | $0 | $164K | 33.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 4.04% |
| JOE FERNANDEZ | 3520 VANGUARD DRIVE FRISCO, TX 75034 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN, SUITE 300 BOISE, ID 83713 | UNITED HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | HARTFORD LIFE AND ACCIDENT | $630 | $0 | $630 | 22.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $0 | $48 | $48 | 1.71% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | ZURICH AMERICAN INSURANCE COMPANY | $346 | $0 | $346 | 15.01% |
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 | 1,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 598 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 999 | $163K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,105 | $1.5M |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 1,743 | $488K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,105 | $986K |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 2,105 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,105 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.