| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S. MAIN STREET SALT LAKE CITY, UT 84115 | UNITED HEALTHCARE INSURANCE COMPANY | $126K | — | $126K | 3.07% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 18.16% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.71% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST | 2345 KING AVENUE BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $696 | $696 | 0.84% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S. MAIN STREET SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.81% |
| EMPLOYEE CHOICE SOLUTIONS3 | 216 S. 200 WEST CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $105 | $105 | 0.16% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.04% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.01% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S. MAIN STREET SALT LAKE CITY, UT 84115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 11.22% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $497 | — | $497 | 0.83% |
| EMPLOYEE CHOICE SOLUTIONS3 | 216 S. 200 WEST SALT LAKE CITY, UT 84720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $239 | $239 | 0.40% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $5K | — | $5K | 8.98% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | EYEMED VISION CARE | $497 | — | $497 | 0.84% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $6K | 13.17% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $399 | — | $399 | 0.92% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST | 2345 KING AVENUE BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $349 | $349 | 0.80% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 909 | $4.1M |
| Vision | EYEMED VISION CARE | 801 | $59K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 492 | $126K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 63 | $60K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 492 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.