| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $148K | $43K | $191K | 14.89% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INSUR ADVISORS | 560 S 300 E STE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.24% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71K | — | $71K | 30.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, AN | ALERA GROUP AGENCY, LLC 16220 N SCOTTSDALE RD, STE 100 SCOTTSDALE, AZ 85254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | — | $131 | 0.06% |
| TIMOTHY B. CRAIG3 Filed as: TIMOTHY B CRAIG | 12002 SOUTH MILONA DR DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | VISION SERVICE PLAN | $11K | — | $11K | 5.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE CHOICE SOLUTIONS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | — | $38K | 24.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVS INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $59 | $5K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $487 | — | $487 | 0.32% |
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 | 1,574 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,290 | $226K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,574 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,574 | $1.4M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,574 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,574 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,574 | — |
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.