| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | KAISER FOUNDATION HEALTH PLAN | $58K | — | $58K | 0.94% |
| DIVERSIFIED INSURANCE GROUP3 | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN | $4K | — | $4K | 0.07% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE COMPANY | $245K | $15K | $260K | 19.72% |
| IMA, INC.3 Filed as: IMA INC | 1705 7TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY | $14K | $2K | $16K | 1.22% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE OF AMERICA | $55K | $3K | $59K | 19.71% |
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE OF AMERICA | $4K | $433 | $4K | 1.33% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP | — | $10K | $10K | 4.02% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.34% |
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $499 | $499 | 0.37% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 19.59% |
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $207 | $2K | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP | — | $4K | $4K | 4.15% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $949 | $8K | 10.21% |
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69 | $138 | $207 | 0.25% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | — | $103 | 0.12% |
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 | 5,522 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 1,021 | $6.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 2,898 | $102K |
| Vision | AMERITAS LIFE INSURANCE CORP | 4,358 | $250K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 4,539 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $117K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE OF AMERICA | 4,539 | $765K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,539 | — |
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."
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.