| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $259K | — | $259K | 4.28% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $106K | $106K | 1.74% |
| GBS BENEFITS INC3 | 634 E SEGO AVE SALT LAKE CITY, UT 84102 | RELIASTAR LIFE INSURANCE COMPANY | $235K | — | $235K | 28.70% |
| GBS BENEFITS INC3 | 634 E SEGO AVE SALT LAKE CITY, UT 84102 | RELIASTAR LIFE INSURANCE COMPANY | $168K | — | $168K | 24.84% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INS | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $97K | $9K | $106K | 16.41% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $50K | — | $50K | 7.95% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $13K | $13K | 1.99% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $495 | — | $495 | 7.19% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $124 | $124 | 1.80% |
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 | 14,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 184 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 14,010 | $642K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11,056 | $6.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 11,056 | $6.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,056 | $6.1M |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 14,350 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,350 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.