| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $8K | $9K | 0.59% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS INSURANCE AGENCY | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | KAISER FOUNDATION HEALTH PLAN INC | $47K | — | $47K | 4.49% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84111 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $9K | — | $9K | 5.96% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $11K | $25K | 17.13% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SERVICES LLC | 2345 KING AVE W STE E BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.02% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | VISION SERVICE PLAN | $1K | — | $1K | 4.76% |
| GBS BENEFITS INS AGENCY3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $528 | — | $528 | 10.16% |
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 | 395 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $2.7M |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 219 | $156K |
| Vision | VISION SERVICE PLAN | 173 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $149K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $149K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $149K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.