| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | NATIONAL UNION FIRE INSURANCE | $10K | — | $10K | 5.00% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - LTD | $5K | $4K | $9K | 15.22% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - WI | $3K | $3K | $6K | 12.97% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - VOL LIFE | $4K | $3K | $7K | 17.42% |
| GBS BENEFITS INC3 | 465 EAST 400 SOUTH SUITE 300 SALT LAKE CITY, UT 84111 | OPTICARE OF UTAH | $5K | — | $5K | 30.23% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY | $3K | — | $3K | 25.81% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INS | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT | $857 | — | $857 | 10.77% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - AD&D | $863 | $652 | $2K | 22.14% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CRITICAL ILLNESS | $762 | — | $762 | 11.76% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - DISABILITY | $108 | — | $108 | 9.97% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | OPTICARE OF UTAH | 193 | $16K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - VOL LIFE | 201 | $48K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT | 25 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - LTD | 123 | $56K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONAL UNION - STEALTH PARNER GROUP | 194 | $417K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - WI | 201 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.