| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BNEFITS INC | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 3.22% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST STE. 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $3 | $92K | 29.11% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS. AGEN | 216 S. 200 W. CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.03% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT | ADMINISTRATION INC PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.45% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 10.02% |
| GBS BENEFITS INS AGENCY3 | 465 S. 400 E STE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 15.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 15.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $90 | $1K | 16.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | DELTA DENTAL INSURANCE COMPANY | $15K | — | $15K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF UTA EIN 87-0200138 CLAIMS PROCESSING | Float revenue; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $10.5M |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 PRESCRIPTION | Claims processing Service code 12 | — | $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 | 1,675 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 2,793 | $1.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,460 | $0 |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,504 | $533K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,675 | $351K |
| Other(8 contracts, 7 carriers) | UNIMERICA INSURANCE COMPANY | 1,675 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,793 | — |
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."
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.