| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GORDON BROWN | 465 SOUTH 400 EAST, SUITE 300 SOUTH SALT LAKE, UT 84111 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $36K | $7K | $43K | 1.60% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | UNKNOWN IDAHO FALLS, ID 83403 | DELTA DENTAL OF IDAHO | $16K | $0 | $16K | 9.18% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 SOUTH 400 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $6K | $29K | 20.36% |
| BRITE BENEFITS INC5 Filed as: BRITE BENEFITS, INC. | 4270 SOUTH CAMILLE STREET HOLLADAY, UT 84124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GORDON BROWN | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | UNITED HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS. AGCY | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 20.00% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 5.42% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOC. LLC | PO BOX 130 CEDAR CITY, UT 84721 | HARTFORD LIFE AND ACCIDENT | $0 | $557 | $557 | 2.07% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 397 | $2.7M |
| Dental | DELTA DENTAL OF IDAHO | 262 | $170K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 213 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $145K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $145K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $145K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.