| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E., STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $30K | $11K | $41K | 4.06% |
| GBS BENEFITS INC3 Filed as: GBS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | DENTIST DIRECT, LLC | $5K | — | $5K | 6.00% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $28 | $28 | 0.18% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 21.97% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E., STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $141 | $47 | $188 | 3.63% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $140 | — | $140 | 24.05% |
No Schedule C service providers reported on this filing.
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 301 | $1.0M |
| Dental | DENTIST DIRECT, LLC | 97 | $83K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 129 | $15K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 129 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.