| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $78K | $47K | $125K | 11.05% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $751 | $751 | 0.07% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT | $49K | — | $49K | 5.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.40% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 10.34% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161K | — | $161K | 150.10% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.63% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | DELTA DENTAL | $43K | — | $43K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.5M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $412K |
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $56K |
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 | 3,135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10 | $135K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,010 | $135K |
| Vision | VISION SERVICE PLAN | 3,026 | $528K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,138 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,125 | $997K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,138 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,701 | — |
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.