| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $30K | $0 | $30K | 5.74% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAT STE 300 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $28K | $0 | $28K | 5.84% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAT STE 300 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 4.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 5.83% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAT STE 300 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 4.17% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DRIVE SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $0 | $25K | 17.73% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAT STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 12.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.94% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHER J GALLAGHER & CO | 6967 S RIVER GATE DR STE 200 SALT LAKE CITY, UT 84047 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.34% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.66% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DRIVE SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | $0 | $24K | 20.32% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $980 | $0 | $980 | 0.82% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR UNIT 404 SANDY, UT 840947734 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF UT EIN 87-0200138 CLAIMS PROCESSING SERVICE | Direct payment from the plan; Claims processing; Insurance brokerage commissions and fees; Non-monetary compensation; Other services; Contract Administrator; Float revenue Service code 12 | — | $322K |
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 | 989 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE CO | 900 | $1.2M |
| Vision | TOWN & COUNTRY LIFE INSURANCE COMPANY | 741 | $132K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,000 | $524K |
| Short-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 492 | $509K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,008 | $473K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 900 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.