| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR MIDVALE, UT 84047 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $61K | $0 | $61K | 26.52% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 28.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR MIDVALE, UT 84047 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR MIDVALE, UT 84047 | SELECT BENEFITS GROUP LLC | $2K | $0 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHILED EIN 87-0200138 BROKER | Non-monetary compensation; Contract Administrator; Float revenue; Claims processing; Insurance brokerage commissions and fees; Other commissions; Direct payment from the plan; Other services Service code 12 | — | $180K |
| GALLAGHER BENEFITS BROKER | Other commissions; Contract Administrator Service code 13 | 6967 S RIVER GATE DR MIDVALE, UT 84047 | $65K |
| SELECT BENEFITS GROUP LLC EIN 87-0482115 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $10K |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 135 | $230K |
| Dental | SELECT BENEFITS GROUP LLC | 134 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 166 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE | 262 | $30K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 262 | $43K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.