| 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 | $42K | — | $42K | 2.54% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $30K | $30K | 1.82% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | DELTA DENTAL INSURANCE COMPANY | $16K | — | $16K | 1.56% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST STE. 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $1K | $50K | 15.76% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS. AGEN | 216 S. 200 W. CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3 | $3 | 0.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 10.89% |
| GBS BENEFITS INS AGENCY3 | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $597K |
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $19K |
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 | 1,608 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,608 | 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 | 2,477 | $1.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,288 | $1.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,608 | $1.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,608 | $1.7M |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER GROUP | 1,124 | $445K |
| Other(5 contracts, 4 carriers) | MARQUEE HEALTH LLC | 1,675 | $844K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,288 | — |
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."
No prospect flags tripped on this filing.