| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS LLC | 465 S 400 E SALT LAKE CITY, UT 84111 | AETNA LIFE INSURANCE CO | — | $50K | $50K | 1.06% |
| EMPLOYEE CHOICE SOLUTIONS3 | INSURANCE AGCY INC 465 SOUTH 400 EAST STE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 8.87% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 8.05% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $967 | $967 | 0.77% |
| 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 | $15K | 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 | $12K | 15.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $3K | — | $3K | 5.40% |
| 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 | 5.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 75 WEST TOWNE RIDGE PARKWAY TOWER 2 SUITE 400 SANDY, UT 84070 | SELECT BENEFITS GROUP, INC. DBA DENTAL SELECT | $15K | — | $15K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GBS BENEFITS LLC BRIJER | Claims processing Service code 12 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | $93K |
| GBS BENEFITS INC BROKER | Claims processing Service code 12 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | $38K |
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 | 612 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 1,019 | $4.7M |
| Dental | SELECT BENEFITS GROUP, INC. DBA DENTAL SELECT | 645 | $0 |
| Vision | EYEMED | 886 | $59K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 893 | $125K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 893 | $205K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $100K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 893 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.