| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $93K | $18K | $111K | 17.82% |
| FILICE INSURANCE AGENCY3 | 738 N 1ST ST STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 3.24% |
| LEAVITT GROUP3 Filed as: LEAVITT PACIFIC INSURANCE BROKERS | 1330 S BASCOM AVE SAN JOSE, CA 95128 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $12 | $8K | 1.71% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $13K | $20K | 5.13% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43K | — | $43K | 18.02% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFIT INC | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $8K | $43K | 18.46% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $4K | — | $4K | 1.96% |
| FILICE INSURANCE AGENCY3 | 738 N 1ST ST STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.48% |
| LEAVITT GROUP3 Filed as: LEAVITT PACIFIC INSURANCE BROKERS | 1330 S BASCOM AVE SAN JOSE, CA 95128 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $2 | $2K | 1.61% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 15.44% |
| GBS BENEFITS INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 5.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $834K |
| GBS BENEFIT INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $66K |
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 | 1,964 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 99 | $608K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 1,317 | $68K |
| Vision | VISION SERVICE PLAN | 1,006 | $204K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,887 | $726K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 488 | $240K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,881 | $399K |
| Prescription drug | EXPRESS SCRIPTS, INC | 1,964 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | QBE INSURANCE | 15,290 | $2.5M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,887 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,290 | — |
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.