| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN STREET, SUITE 600 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT | $229K | — | $229K | 3.15% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | PO BOX 130 CEDAR CITY, UT 84721 | HARTFORD LIFE AND ACCIDENT | — | $190K | $190K | 2.62% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $227K | — | $227K | 24.02% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $162K | — | $162K | 25.43% |
| GBS BENEFITS INC3 | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $45K | — | $45K | 8.75% |
| JOHNSON RESOURCES3 | 10801 E HAPPY VALLEY ROAD, UNIT 78 SCOTTSDALE, AZ 85255 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $11K | $11K | 2.19% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET, SUITE 600 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $75K | $11K | $86K | 17.18% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $104K | — | $104K | 23.14% |
| GBS BENEFITS INC3 | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.84% |
| JOHNSON RESOURCES3 | 10801 E HAPPY VALLEY ROAD, UNIT 78 SCOTTSDALE, AZ 85255 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $444 | $444 | 1.96% |
| GBS BENEFITS INC3 | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $180 | — | $180 | 5.88% |
| JOHNSON RESOURCES3 | 10801 E HAPPY VALLEY ROAD, UNIT 78 SCOTTSDALE, AZ 85255 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $45 | $45 | 1.47% |
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 | 14,436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 12,085 | $536K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 10,562 | $7.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 10,562 | $7.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10,562 | $7.3M |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 15,642 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,642 | — |
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.