| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | $0 | $35K | $35K | 4.41% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | $22K | $87K | 20.13% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $15K | $21K | 6.87% |
| LEAVITT GROUP3 Filed as: LEAVITT BENEFIT INS SERVICE | 1820 E 1ST STREET STE500 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLANS INC. | $11K | $0 | $11K | 4.03% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLANS INC. | $3K | $0 | $3K | 0.94% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ALLSTATE BENEFITS | $49K | $0 | $49K | 21.05% |
| LEAVITT GROUP3 Filed as: LEAVITT BENEFIT INS SERVICES | 1820 E 1ST ST STE 500 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLANS INC. | $7K | $0 | $7K | 4.20% |
| FILICE INSURANCE AGENCY3 | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLANS INC. | $1K | $0 | $1K | 0.88% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $5K | $29K | 17.93% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.31% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INS COMPANY | $2K | $5K | $7K | 6.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $846K |
| GBS BENEFITS EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $0 |
| UNITED HEALTHCARE SERVICES, INC. | Other services; Claims processing Service code 12 | — | $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 | 1,612 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 468 | $670K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 1,080 | $51K |
| Vision | VISION SERVICE PLAN | 745 | $132K |
| Life insurance | THE LINCOLN NATIONAL LIFE INS COMPANY | 1,612 | $101K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,549 | $301K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,011 | $784K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,612 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,612 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.