| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIND BENEFITS3 Filed as: BIND BENEFITS, INC. | — | QBE INSURANCE | — | $95K | $95K | 7.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | $135K | $52K | $187K | 18.51% |
| BRITE BENEFITS INC3 Filed as: BRITE LLC | ATTN BEN HALE 4270 S CAMILLE ST HOLLADAY, UT 84124 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 0.60% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | $51K | $38K | $89K | 16.02% |
| BRITE BENEFITS INC3 Filed as: BRITE LLC | ATTN BEN HALE 4270 S CAMILLE ST HOLLADAY, UT 84124 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.38% |
| LEAVITT GROUP3 Filed as: LEAVITT PACIFIC INSURANCE BROKERS | 1570 THE ALAMEDA STE 101 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 4.83% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | $40K | $20K | $60K | 20.50% |
| BRITE BENEFITS INC3 Filed as: BRITE LLC | ATTN BEN HALE 4270 S CAMILLE ST HOLLADAY, UT 84124 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.61% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | — | $55K | 21.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | VISION SERVICE PLAN | $5K | — | $5K | 1.90% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | BIND BENEFITS, INC. DBA SUREST | $5K | — | $5K | 2.65% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPAN | $19K | — | $19K | 14.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $684K |
| GBS BENEFIT INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $54K |
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 | 2,354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 520 | $675K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,611 | $0 |
| Vision | VISION SERVICE PLAN | 1,312 | $255K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,320 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 757 | $557K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,305 | $557K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 2,400 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | QBE INSURANCE | 1,532 | $2.3M |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,320 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,400 | — |
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.