| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARRELL RAWLINS3 | UNKNOWN LEHI, UT 84043 | ANGLE INSURANCE COMPANY OF UTAH | $69K | $0 | $69K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | NATIONWIDE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.25% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 SOUTH 400 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $656 | $4K | $4K | 7.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $796 | $796 | 1.30% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | $3K | $842 | $4K | 21.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1301 GERVAIS STREET, SUITE 400 COLUMBIA, SC 29250 | STANDARD INSURANCE COMPANY | $79 | $0 | $79 | 0.44% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANGLE INSURANCE COMPANY OF UTAH | 189 | $1.4M |
| Dental | NATIONWIDE LIFE INSURANCE COMPANY | 332 | $96K |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 332 | $96K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $61K |
| Prescription drug | ANGLE INSURANCE COMPANY OF UTAH | 189 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.