| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 3.04% |
| AMWINS3 Filed as: STHEALTH PARTNER GROUP AN AMWINS CO | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $34K | — | $34K | 7.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | UNIM LIFE INSURANCE COMPANY OF AMERICA | $77K | $3K | $79K | 23.45% |
| 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 | 0.74% |
| PLAINSOURCE BENEFIT ADMINISTRATION3 | INC. PO BOX 1313 ORLANDO, FL 32802 | UNIM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.44% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITED HEALTH CARE INSURNACE COMPANY | $19K | — | $19K | 9.94% |
| GBS BENEFITS INS AGENCY3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 15.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 15.00% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $90 | $1K | 16.00% |
| DENVER MANAGEMENT ADVISORS3 Filed as: DENVER/SALT LAKE OFFICE, DIREC | 6400 SOUTH FIDDLERS GREEN CIR STE 1800 DENVER, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMEICAN | $0 | — | $0 | 0.00% |
| 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 |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $677K |
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 | 1,736 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,736 | 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 | 1,202 | $1.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,837 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,736 | $1.6M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,453 | $535K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,975 | $170K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,183 | $488K |
| Other(10 contracts, 9 carriers) | UNIMERICA INSURANCE COMPANY | 5,820 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,820 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.