| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.15% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.12% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $737 | $737 | 1.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $676 | $676 | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $8K | $1K | $9K | 23.93% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM INSURANCE COMPANY | $500 | $56 | $556 | 1.43% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $483 | $483 | 1.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $370 | $370 | 1.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $5K | $694 | $5K | 23.65% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM INSURANCE COMPANY | $331 | $40 | $371 | 1.68% |
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 | 404 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $170K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $167K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $112K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 643 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.