| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S. 400 W. STE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIIATES (CIGNA) | $259K | $2K | $261K | 27.45% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S. 400 N. STE 300 SALT LAKE CITY, UT 84111 | SELECT BENEFITS GROUP, INC. DBA DENTAL SELECT | $14K | $44K | $57K | 32.29% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $4K | $13K | 15.00% |
| GBS BENEFITS INC3 | 465 S. 400 E. SUITE 300 SALT LAKE, UT 84111 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.17% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCEY ASSOCIATION L | 216 S. 200 W. CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $875 | $875 | 1.18% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $8K | 14.43% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $3K | — | $3K | 4.99% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2 | $2 | 4.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 ADMINISTRATOR | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $19K |
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 | 564 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIIATES (CIGNA) | 772 | $949K |
| Dental | SELECT BENEFITS GROUP, INC. DBA DENTAL SELECT | 564 | $178K |
| Vision | EYEMED | 731 | $52K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 646 | $74K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $53K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $88K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIIATES (CIGNA) | 772 | $949K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 646 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.