| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 3.08% |
| LEAVITT GROUP3 Filed as: LEAVITT BENEFITS SERVICE | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $31K | $31K | 1.88% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 5.00% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY | $177K | $3K | $180K | 63.87% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 10.12% |
| GBS BENEFITS INS AGENCY3 | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | HARTFORD LIFE AND ACCIDENT | $17K | $2K | $19K | 16.47% |
| GBS BENEFITS INS AGENCY3 | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | HARTFORD LIFE AND ACCIDENT | $10K | $1K | $11K | 16.54% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $142 | $1K | 16.88% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | DELTA DENTAL INS COMPANY | $17K | — | $17K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.0M |
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $0 |
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 | 1,647 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 179 | $888K |
| Dental | DELTA DENTAL INS COMPANY | 3,857 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,156 | $165K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,721 | $1.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,721 | $1.7M |
| Other(6 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,218 | $841K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,857 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.