| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 A MAIN STREET SUITE 600 SALT LAKE CITY, UT 84115 | PAN-AMERICAN LIFE INSURANCE COMPANY | $8K | $107K | $114K | 96.29% |
| HAMMETT INSURANCE SERVICES, INC3 | 302 WASHINGTON ST 150-6777 SAN DIEGO, CA 92103 | PAN-AMERICAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 7.50% |
| LEAVITT GROUP3 Filed as: STARLEY LEAVITT INS AGENCY | 715 SHOSHONE ST NORTH TWIN FALLS, ID 83301 | PAN-AMERICAN LIFE INSURANCE COMPANY | $4K | $4K | $8K | 6.67% |
| LEAVITT GROUP3 Filed as: STARLEY-LEAVITT INSURANCE AGENCY | 715 SHOSHONE ST NORTH TWIN FALLS, ID 83301 | WILLAMETTE DENTAL GROUP | $5K | $50K | $55K | 112.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GORDON W. BROWN | 2200 S MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | UNITED HERITAGE LIFE INSURANCE COMPANY | $249 | $9K | $10K | 102.69% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
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.