| 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 | $311K | — | $311K | 4.54% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $138K | $138K | 2.02% |
| GBS BENEFITS INC3 | 634 E SEGO AVE SALT LAKE CITY, UT 841023434 | RELIASTAR LIFE INSURANCE COMPANY | $208K | — | $208K | 22.83% |
| GBS BENEFITS INC3 | 634 E SEGO AVE SALT LAKE CITY, UT 841023434 | RELIASTAR LIFE INSURANCE COMPANY | $155K | — | $155K | 21.89% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $49K | — | $49K | 7.43% |
| JOHNSON RESOURCES3 | 7373 DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $12K | $12K | 1.86% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $92K | — | $92K | 15.00% |
| GBS BENEFITS INC3 | 634 E SEGO AVE SALT LAKE CITY, UT 841023434 | RELIASTAR LIFE INSURANCE COMPANY | $78K | — | $78K | 20.46% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $524 | — | $524 | 6.83% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $131 | $131 | 1.71% |
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 | 14,189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 13,542 | $674K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 10,682 | $6.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 10,682 | $6.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10,682 | $6.9M |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 14,189 | $9.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,189 | — |
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.