| 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) | $101K | — | $101K | 9.11% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $5K | $14K | 15.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $4K | $11K | 15.00% |
| GBS BENEFITS INC3 | 465 S. 400 E. SUITE 300 SALT LAKE, UT 84111 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 11.23% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCEY ASSOCIATION L | 216 S. 200 W. CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.17% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $3K | — | $3K | 4.96% |
| 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 | — | $3 | $3 | 6.12% |
| 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 | — | $14K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 ADMINISTRATOR | Participant communication; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $20K |
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 | 611 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIIATES (CIGNA) | 811 | $1.1M |
| Dental | SELECT BENEFITS GROUP, INC. DBA DENTAL SELECT | 610 | $0 |
| Vision | EYEMED | 799 | $54K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 699 | $68K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $76K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $97K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIIATES (CIGNA) | 811 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 699 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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.