| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIND BENEFITS3 | — | QBE INSURANCE | — | $95K | $95K | 7.00% |
| GBS BENEFITS INC3 | 2980 ALVERA DRIVE SALT LAKE CITY, UT 84117 | STANDARD INSURANCE COMPANY | $128K | $44K | $172K | 19.42% |
| GBS BENEFITS INC3 | 2980 ALVERA DRIVE SALT LAKE CITY, UT 84117 | STANDARD INSURANCE COMPANY | $59K | $24K | $84K | 14.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | BIND BENEFITS, INC. DBA SUREST | $30K | — | $30K | 6.03% |
| LEAVITT GROUP3 Filed as: LEAVITT PACIFIC INSURANCE BROKERS | 1570 THE ALAMEDA STE 101 SAN JOSE, CA 95126 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 4.89% |
| GBS BENEFITS INC3 | 2980 ALVERA DRIVE SALT LAKE CITY, UT 84117 | STANDARD INSURANCE COMPANY | $48K | $13K | $61K | 18.85% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | VISION SERVICE PLAN | $5K | — | $5K | 1.79% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59K | — | $59K | 22.59% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPAN | $22K | — | $22K | 14.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $817K |
| 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 | 2,621 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BIND BENEFITS, INC. DBA SUREST | 598 | $917K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,751 | $0 |
| Vision | VISION SERVICE PLAN | 1,444 | $282K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,489 | $884K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 903 | $587K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,473 | $597K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 2,317 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | QBE INSURANCE | 1,624 | $2.2M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 568 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,489 | — |
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.