| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | KAISER FOUNDATION HEALTH PLAN INC | $99K | — | $99K | 4.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 5.07% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W. CHARLESTON BLVD #140 LAS VEGAS, NV 89117 | HEALTH PLAN OF NEVADA | $24K | $14K | $37K | 4.74% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 4.09% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $7K | $63K | 11.34% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $5K | $44K | 11.39% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $16K | — | $16K | 9.45% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $13K | $1K | $14K | 10.25% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | UNUM INSURANCE COMPANY | $12K | $1K | $13K | 9.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $3K | $455 | $4K | 2.64% |
| GBS BENEFITS INS AGENCY3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | UNUM INSURANCE COMPANY | $20K | $2K | $22K | 16.25% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 11.44% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $9K | $1K | $10K | 8.85% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | UNUM INSURANCE COMPANY | $8K | $925 | $9K | 7.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $3K | $432 | $3K | 2.99% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 6.20% |
| GBS BENEFITS INS AGENCY3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 16.29% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOCIATION | PO BOX 130 CEDAR CITY, UT 847210135 | PRINCIPAL LIFE INSURANCE COMPANY | — | $98 | $98 | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Claims processing; Participant communication; Contract Administrator; Named fiduciary; Other services; Float revenue Service code 12 | NOT PROVIDED HARTFORD, CT 06152 | $115K |
| MOSS ADAMS EIN 91-0189318 AUDITORS | Accounting (including auditing) Service code 10 | 4747 EXECUTIVE DRIVE, STE 1300 SAN DIEGO, CA 92121 | $35K |
| LEVITZACKS EIN 95-3159181 FORM 5500 PREP | Accounting (including auditing) Service code 10 | 451 A STREET, SUITE 500 SAN DIEGO, CA 92101 | $9K |
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 | 2,786 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 384 | $4.8M |
| Dental(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 623 | $883K |
| Vision | EYEMED VISION CARE | 2,605 | $164K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,128 | $539K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $694K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $573K |
| Prescription drug | HEALTH PLAN OF NEVADA | 132 | $787K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,128 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,605 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.