| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT, AND HEALTH, INC | $31K | — | $31K | 3.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST. STE. 600 SOUTH SALT LAKE, UT 84115 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.35% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 6.18% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 44 W HARDING AVE ATTN JIM WILCKEN CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.39% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S. MAIN ST. STE. 600 SOUTH SALT LAKE, UT 84115 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 25.62% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $140 | $140 | 2.91% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS HEALTH PLANS LIFE, ACCIDENT, AND HEALTH, INC | 190 | $1.0M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 161 | $61K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 161 | $61K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 127 | $47K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 127 | $47K |
| Other | HARTFORD LIFE AND ACCIDENT | 127 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.