| 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 | $50K | — | $50K | 3.27% |
| LEAVITT GROUP3 Filed as: LEAVITT BENEFITS SERVICE | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $25K | $25K | 1.63% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $17K | $21K | $38K | 9.09% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST. SUITE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 3.00% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $680 | $85K | 30.03% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 8.34% |
| GBS BENEFITS INS AGENCY3 | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 15.00% |
| GBS BENEFITS INS AGENCY3 | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 15.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST #300 SALT LAKE CITY, UT 84111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 9.02% |
| GBS BENEFITS INC3 | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $148 | $2K | 16.52% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 24.90% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | DELTA DENTAL INSURANCE COMPANY | $17K | — | $17K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $533K |
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $18K |
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 | 1,525 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,144 | $1.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,514 | $0 |
| Vision(2 contracts, 2 carriers) | STEALTH PARTNER GROUP | 1,144 | $622K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,452 | $1.5M |
| Short-term disability(3 contracts, 2 carriers) | STEALTH PARTNER GROUP | 1,144 | $468K |
| Long-term disability(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,452 | $2.0M |
| Prescription drug | STEALTH PARTNER GROUP | 1,144 | $415K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER GROUP | 1,144 | $415K |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,160 | $880K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,514 | — |
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.