| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN ST SUITE 600 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT | $370K | — | $370K | 4.38% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 44 W HARDING AVE CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $182K | $182K | 2.15% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $244K | — | $244K | 23.12% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $175K | — | $175K | 25.18% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $47K | — | $47K | 7.35% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $80K | — | $80K | 15.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 44 W HARDING AVE CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 1.96% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $115K | — | $115K | 22.95% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.08% |
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 | 146 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 12,990 | $657K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11,850 | $8.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 11,850 | $8.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,850 | $8.5M |
| Other(7 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 14,863 | $11.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,863 | — |
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.