| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 14241 DALLAS PARKWAY DALLAS, TX 75254 | BIND BENEFITS, INC. DBA SUREST | $0 | $61K | $61K | 4.99% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $21K | $27K | 4.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 4630 NORTH LOOP 1604 WEST SAN ANTONIO, TX 78249 | UNITEDHEALTHCARE INSURANCE COMPANY | $400 | $0 | $400 | 0.06% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS. | 2200 SOUTH MAIN STREET, SUITE 600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | $19K | $2K | $21K | 10.38% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | STANDARD INSURANCE COMPANY | $10K | $10K | $21K | 10.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 1.73% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BIND BENEFITS, INC. DBA SUREST | 500 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $629K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $629K |
| Life insurance | STANDARD INSURANCE COMPANY | 306 | $206K |
| Short-term disability | STANDARD INSURANCE COMPANY | 306 | $206K |
| Long-term disability | STANDARD INSURANCE COMPANY | 306 | $206K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $629K |
| Other | STANDARD INSURANCE COMPANY | 306 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.