| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2100 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | -$101 | $11K | 10.09% |
| GBS BENEFITS INC3 | 2333 W UNIVERSITY DR TEMPE, AZ 85281 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 11.05% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOC. LLC | PO BOX 130 CEDAR CITY, UT 84721 | PRINCIPAL LIFE INSURANCE COMPANY | — | $303 | $303 | 0.53% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | — | $15K | 34.09% |
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS | 4525 S WASATCH BLVD NO. 250 SALT LAKE CITY, UT 84124 | TRANSAMERICA LIFE INSURANCE COMPANY | $181 | — | $181 | 0.41% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD. | 9420 E DOUBLETREE RANCH RD STE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $138 | — | $138 | 0.31% |
| MICHAEL D STARKS3 | 898 N 170 E KAYSVILLE, UT 84037 | TRANSAMERICA LIFE INSURANCE COMPANY | $87 | — | $87 | 0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY SERVICE PROVIDER | Claims processing Service code 12 | P.O. BOX 610000 DALLAS, TX 75261 | $145K |
| NATIONAL GENERAL INSURANCE COMPANY SERVICE PROVIDER | Claims processing Service code 12 | 1515 NORTH RIVERCENTER DRIVE STE 135 MILWAUKEE, WI 53212 | $88K |
| GBS BENEFITS INC BROKER | Claims processing Service code 12 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | $54K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 SERVICE PROVIDER | Claims processing Service code 12 | — | $0 |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $111K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $57K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $57K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 69 | $44K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 69 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.