| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC - HANNAH HIGLEY | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | MOTIVHEALTH | $38K | — | $38K | 3.31% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $21K | 17.79% |
| BENERATION LLC3 | 2124 RACE ST GROUND FLOOR PHILAPELPHIA, PA 19103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INSUR ADVISORS INC | 560 S 300 E STE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $905 | $905 | 0.78% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.84% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $84K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $116K |
| Prescription drug | MOTIVHEALTH | 393 | $1.2M |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH | 393 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.