| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | ADREM ADMINISTRATORS LLC | $37K | $19K | $56K | 3.37% |
| BRITE BENEFITS INC3 Filed as: BRITE BENEFITS, INC. | UNKNOWN PLEASANT GROVE, UT 84062 | ADREM ADMINISTRATORS LLC | $969 | $0 | $969 | 0.06% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS | $6K | $3K | $9K | 7.67% |
| IMA, INC.3 Filed as: IMA INC. | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | AMERITAS | $2K | $0 | $2K | 1.98% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 115 NORTH MAIN STREET CEDAR CITY, UT 84720 | AMERITAS | $0 | $2K | $2K | 1.33% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.36% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | SYMETRA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.68% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | SYMETRA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.36% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | SYMETRA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.63% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ADREM ADMINISTRATORS LLC | 445 | $1.7M |
| Dental | AMERITAS | 352 | $118K |
| Vision | AMERITAS | 352 | $118K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 207 | $52K |
| Short-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 357 | $93K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 207 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.