| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | — | $48K | $48K | 5.44% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | $28K | $75K | 15.92% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | BIND/SUREST | — | $30K | $30K | 6.66% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $56K | — | $56K | 23.68% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $8K | $22K | 15.80% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.69% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | OPTICARE VISION SERVICES | $3K | — | $3K | 10.00% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $205K |
| GBS BENEFIT INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $60K |
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 | 949 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BIND/SUREST | 0 | $449K |
| Dental | AMERITAS LIFE INSURANCE CORP | 427 | $0 |
| Vision | OPTICARE VISION SERVICES | 337 | $33K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 949 | $504K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 243 | $238K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 949 | $142K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 402 | $1.5M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,111 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,111 | — |
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.
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.