| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | CIGNA | $10K | — | $10K | 1.07% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $673 | $5K | 9.92% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOC LLC | PO BOX 130 CEDAR CITY, UT 84721 | PRINCIPAL LIFE INSURANCE COMPANY | — | $440 | $440 | 0.93% |
| GBS BENEFITS INS AGENCY3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 33.51% |
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS | 4525 S WASATCH BLVD NO 250 SALT LAEK CITY, UT 84124 | TRANSAMERICA LIFE INSURANCE COMPANY | $200 | — | $200 | 0.62% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 YE DOUBLETREE RANCH RD STE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $153 | — | $153 | 0.47% |
| MICHAEL D STARKS3 | 898 N 170 EAST KAYSVILLE, UT 84037 | TRANSAMERICA LIFE INSURANCE COMPANY | $92 | — | $92 | 0.28% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 102 | $956K |
| Dental(2 contracts, 2 carriers) | CIGNA | 229 | $1.0M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $47K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $47K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 132 | $33K |
| Other(2 contracts, 2 carriers) | CIGNA | 132 | $989K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.