| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $50K | $6K | $56K | 10.82% |
| GBS BENEFITS INC3 | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 6.30% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | INDEPENDENT HEALTH | $6K | — | $6K | 2.91% |
| GBS BENEFITS INC3 | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | PAN-AMERICAN LIFE INSURANCE COMPANY | $17K | — | $17K | 9.63% |
| WILLIAM HAMMETT3 | 4615 PAVLOV AVE. #17 SAN DIEGO, CA 92122 | PAN-AMERICAN LIFE INSURANCE COMPANY | $680 | — | $680 | 0.38% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | ALLSTATE | $19K | — | $19K | 64.22% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $172 | — | $172 | 1.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $560K |
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $0 |
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 | 1,552 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENT HEALTH | 93 | $230K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $280K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $280K |
| Life insurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 804 | $694K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.