| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFITS SERVICES INC | 7881 W CHARLESTON BLVD 140 LAS VEGAS, NV 89117 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $53K | $30K | $83K | 4.88% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST STE 300 SALT LAKE CITY, UT 84111 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $5K | $23K | 13.97% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD STE 140 LAS VEGAS, NV 89117 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.65% |
| GBS BENEFITS INC3 | 525 EAST 100 S #200 SALT LAKE CITY, UT 84102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 17.40% |
| EMPLOYEE CHOICE SOLUTIONS3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.18% |
| RYAN H BECK3 | 756 E WINCHESTER BLD MURRAY, UT 84107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $226 | — | $226 | 0.49% |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 510 | $1.8M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 675 | $163K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 675 | $209K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 675 | $163K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 508 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.