| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 SOUTH MAIN STREET SALT LAKE CITY, UT 84115 | BIND BENEFITS, INC. DBA SUREST | $0 | $96K | $96K | 5.26% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | LIFEMAP ASSURANCE COMPANY | $11K | — | $11K | 6.16% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $19K | 20.89% |
| BRITE BENEFITS INC3 | 4270 S CAMILLE ST HOLLADAY, UT 84124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.95% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SERVICES LLC | 2345 KING AVE W STE E BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $227 | $227 | 0.26% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 20.68% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SERVICES LLC | 2345 KING AVE W STE E BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $102 | $102 | 0.25% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.84% |
| BRITE BENEFITS INC3 | 4270 S CAMILLE ST HOLLADAY, UT 84124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.50% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SERVICES LLC | 2345 KING AVE W STE E BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $97 | $97 | 0.25% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.09% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SERVICES LLC | 2345 KING AVE W STE E BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $88 | $88 | 0.26% |
| BRITE BENEFITS INC3 | 4270 S CAMILLE ST HOLLADAY, UT 84124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 23.88% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $723 | $420 | $1K | 15.80% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SERVICES LLC | 2345 KING AVE W STE E BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.25% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BIND BENEFITS, INC. DBA SUREST | 451 | $1.8M |
| Dental | LIFEMAP ASSURANCE COMPANY | 242 | $177K |
| Vision | LIFEMAP ASSURANCE COMPANY | 242 | $177K |
| Life insurance(3 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 290 | $273K |
| Short-term disability(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 242 | $215K |
| Other(5 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 290 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.