| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA, INC. | 7881 WEST CHARLESTON BOULEVARD SUITE 140 LAS VEGAS, NV 89117 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $69K | $40K | $109K | 3.96% |
| ASSUREDPARTNERS3 | 375 EAST WARM SPRINGS ROAD SUITE 201 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $14K | $5K | $18K | 0.66% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA, INC. | 7881 WEST CHARLESTON BOULEVARD SUITE 140 LAS VEGAS, NV 89117 | PRINCIPAL LIFE INSURANCE COMPANY | $30K | — | $30K | 6.14% |
| ASSUREDPARTNERS3 | 375 EAST WARM SPRINGS ROAD SUITE 201 LAS VEGAS, NV 89119 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.09% |
| LEAVITT GROUP3 | PO BOX 130 CEDAR CITY, UT 84721 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.48% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 SOUTH MAIN STREET, SUITE 600 SALT LAKE CITY, UT 84115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.90% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 7881 WEST CHARLESTON BOULEVARD SUITE 140 LAS VEGAS, NV 89117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.38% |
| ASSUREDPARTNERS3 | 139 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.29% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 636 | $2.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 881 | $486K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 881 | $486K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 881 | $486K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 881 | $486K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 881 | $486K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 636 | $2.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.