| 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 | $350K | — | $350K | 4.31% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $91K | $91K | 1.12% |
| GBS BENEFITS INC3 | 634 E SEGO AVE SALT LAKE CITY, UT 84102 | RELIASTAR LIFE INSURANCE COMPANY | $235K | — | $235K | 26.35% |
| GBS BENEFITS INC3 | 634 E SEGO AVE SALT LAKE CITY, UT 84102 | RELIASTAR LIFE INSURANCE COMPANY | $162K | — | $162K | 23.22% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $49K | — | $49K | 7.31% |
| JOHNSON RESOURCES3 | 7373 DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $12K | $12K | 1.83% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $87K | — | $87K | 15.00% |
| GBS BENEFITS INC3 | 634 E SEGO AVE SALT LAKE CITY, UT 84102 | RELIASTAR LIFE INSURANCE COMPANY | $67K | — | $67K | 23.77% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $528 | — | $528 | 8.60% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH #200 SCOTTSDALES, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $132 | $132 | 2.15% |
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 | 15,217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 14,636 | $675K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11,594 | $8.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 11,594 | $8.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,594 | $8.1M |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 15,217 | $11.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,217 | — |
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.