| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R S MARKETING LLC3 | PO BOX 3556 LOGAN, UT 84323 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 8.12% |
| CHALET WHITAKER3 | 5999 SOUTH 2400 WEST WELLSVILLE, UT 84339 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 6.40% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.81% |
| BRETT J HILTON3 Filed as: BRETT G BULLOCK | 50 WEST 700 NORTH SUITE 101 LOGAN, UT 84321 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.49% |
| AFFORDABLE BENEFIT SOLUTIONS3 Filed as: AFFORDABLE BENEFITSOLUTIONS INC | 50 W. 700 N. LOGAN, UT 84321 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.07% |
| CASEY J MAJOR3 | PO BOX 3556 LOGAN, UT 84323 | TRANSAMERICA LIFE INSURANCE COMPANY | $418 | — | $418 | 0.36% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $988 | $9K | 15.31% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $903 | $4K | 7.94% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | OPTICARE OF UTAH | $3K | — | $3K | 10.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $190 | $1K | 11.01% |
| GBS BENEFITS INC3 | 465 S 400 E SALT LAKE CITY, UT 84111 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $8K | — | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $115K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $71K |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 456 | $0 |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 267 | $0 |
| Vision | OPTICARE OF UTAH | 196 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 347 | $73K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 354 | $172K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 369 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.