| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 S SALT LAKE, UT 84115 | SELECTHEALTH | $57K | $19K | $75K | 4.30% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST. STE 600 SALT LAKE CITY, UT 84115 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 6.94% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $6K | $15K | 17.70% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INSUR ADVISORS | 560 S 300 STE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $845 | $845 | 0.99% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 30.02% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET STE 600 S SALT LAKE CITY, UT 84115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 6.40% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS LIFE INSURANCE CORP | $2K | $376 | $2K | 8.75% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 115 N MAIN ST CEDAR CITY, UT 84720 | AMERITAS LIFE INSURANCE CORP | — | $235 | $235 | 1.09% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 639 | $1.8M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 187 | $130K |
| Vision | AMERITAS LIFE INSURANCE CORP | 140 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $85K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $123K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $85K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.