| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | HARTFORD LIFE AND ACCIDENT | $62K | — | $62K | 3.79% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | PO BOX 130 CEDAR CITY, UT 84721 | HARTFORD LIFE AND ACCIDENT | — | $37K | $37K | 2.23% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $5K | $331 | $6K | 0.53% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | BLUECROSS BLUESHIELD OF CALIFORNIA, CALIFORNIA PHYSICIANS' SERVICE | $39K | — | $39K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | BLUECROSS BLUESHIELD OF CALIFORNIA, CALIFORNIA PHYSICIANS' SERVICE | $12K | — | $12K | 1.50% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 2.52% |
| AMWINS3 Filed as: STEALTH PARTNER GROUP, AN AMWINS CO | 18700 HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | UNUMERICA INSURANCE COMPANY | $40K | — | $40K | 7.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | UNIM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 17.86% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS | AGENCY INC 216 S 200 W CEDAR CITY, UT 84720 | UNIM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.84% |
| PLAINSOURCE BENEFIT ADMINISTRATION3 | INC. PO BOX 1313 ORLANDO, FL 32802 | UNIM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.45% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNUM INSURANCE COMPANY | $26K | $3K | $28K | 14.88% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITED HEALTH CARE INSURNACE COMPANY | $19K | $4K | $23K | 12.11% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | PROVIDENT LIFE AND ACCIDENT INSURNACE COMPANY | $985 | — | $985 | 10.40% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | PROVIDEN LIFE AND ACCIDENT INSURANCE COMPANY | $393 | — | $393 | 5.69% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | DELTA DENTAL INSURANCE COMPANY | $16K | — | $16K | — |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $838K |
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 | 1,537 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 3,363 | $2.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,575 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,730 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURNACE COMPANY | 3 | $16K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,537 | $650K |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF CALIFORNIA, CALIFORNIA PHYSICIANS' SERVICE | 2,815 | $940K |
| Stop-loss / reinsurancereinsurance | STEALTH(SLIS)-OPTUM UNIMERICA | 1,172 | $627K |
| Other(5 contracts, 5 carriers) | MARQUEE HEALTH | 1,921 | $897K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,575 | — |
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.