| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS LLC DBA | STEALTH PARTNER GROUP 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 4.18% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | DON MCKEAN 465 SOUTH 400 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE ACCIDENT & HEALTH | $14K | — | $14K | 3.97% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 16.30% |
| EMPLOYEE CHOICE SOLUTIONS3 | INS AGENCY INC 216 S 200 W CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $777 | $777 | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 14TH FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11 | $11 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVERGATE DR #200 SALT LAKE CITY, UT 84047 | OPTICARE OF UTAH | $5K | — | $5K | 10.00% |
| LUTHER B RILEY3 | 4059 BILL JON DR RAINBOW CITY, AL 35906 | SUN LIFE ASSURANCE COMPANY OF CANADA | $889 | — | $889 | 2.19% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM INSURANCE COMPANY | $4K | $505 | $4K | 15.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $534K |
| GBS BENEFITS EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $67K |
| GALLAGHER BENEFIT SERVICE EIN 36-4291971 BROKER | Other commissions Service code 55 | — | $33K |
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 | 712 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 115 | $886K |
| Dental(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,416 | $807K |
| Vision | OPTICARE OF UTAH | 453 | $45K |
| Life insurance(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 989 | $424K |
| Long-term disability(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 989 | $424K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 115 | $886K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | STEALTH PARTNER GROUP | 594 | $1.1M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 989 | $987K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,416 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.