| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 4.65% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 5.60% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 6.58% |
| LEAVITT GROUP3 | 44 W HARDING AVE ATTN JIM WILCKEN CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.32% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUT SALT LAKE, UT 84115 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 12.42% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | METROPOLITAN GENERAL INSURANCE COMPANY | $754 | $41 | $795 | 10.54% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 128 | $2.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 223 | $115K |
| Vision | VISION SERVICE PLAN | 86 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 110 | $139K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 110 | $139K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 110 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.