| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | DBA STEALTH PARTNER GROUP 18940 NORTH PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $14K | — | $14K | 5.47% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $476 | $15K | 14.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 SOUTH 400 EAST STE 300 SALT LAKE CITY, UT 84111 | OPTICARE OF UTAH | $2K | — | $2K | 24.22% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 66.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 66.00% |
| GBS BENEFITS INC4 | STE 300 465 S 400 E SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $840 | — | $840 | 20.56% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $167 | — | $167 | 4.09% |
| HIGH POINT ALLIANCE4 | — | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $76 | — | $76 | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $102K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $82K |
| GBS BENEFIT INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $31K |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE - STEALTH PARTNER GROUP | 112 | $317K |
| Dental | SELECT BENEFIT GROUP, LLC | 113 | $0 |
| Vision | OPTICARE OF UTAH | 84 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $109K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE - STEALTH PARTNER GROUP | 112 | $577K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.