| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | — | KAISER FOUNDATION HEALTH PLAN | $62K | — | $62K | 4.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SERVICES, INC. | — | KAISER FOUNDATION HEALTH PLAN | $4K | — | $4K | 0.31% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | — | CIGNA | $84K | $6K | $90K | 23.70% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | — | UNITED OF OMAHA LIFE | $4K | — | $4K | 10.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | — | UNITED OF OMAHA LTD | $3K | $2K | $5K | 13.74% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | — | SAFEGUARD HEALTH PLANS, INC. | $3K | $568 | $4K | 11.82% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | — | UNITED OF OMAHA LIFE INS. CO. | $2K | $297 | $2K | 11.79% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | — | UNITED OF OMAHA | $1K | $339 | $1K | 19.96% |
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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 334 | $1.7M |
| Dental(2 contracts, 2 carriers) | CIGNA | 405 | $414K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE | 332 | $61K |
| Short-term disability | UNITED OF OMAHA | 75 | $7K |
| Long-term disability | UNITED OF OMAHA LTD | 332 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.