| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | — | $61K | $61K | 4.99% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS BENEFIT | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 841111117 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $6K | $19K | 3.20% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 1.52% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 2.88% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 2.55% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 5.51% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT SERVI | 136 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 4.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $865K |
| DIVERSIFIED INSRANCE GROUP EIN 20-4442550 BROKER | Other commissions Service code 55 | — | $0 |
| GBS BENEFITS EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $0 |
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 | 3,825 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $23K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,825 | $623K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,825 | $600K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,575 | $273K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,575 | $273K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,575 | $273K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,381 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,575 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,825 | — |
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.
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.