| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 5949 SHERRY LANE SUITE 117 DALLAS, TX 75225 | TOKIO MARINE - STEALTH PARTNER GROUP | $68K | — | $68K | 2.50% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $13K | $46K | 13.96% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $11K | $52K | 19.23% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $4K | $22K | 12.01% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 14.17% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 634 E SEGO AVE SALT LAKE CITY, UT 84102 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 22.03% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | EYEMED | $5K | — | $5K | 8.82% |
| GBS BENEFITS INC4 Filed as: GBS BENEFITS INC. | 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 10.91% |
| D'ANN DABELL4 | 1174 N. 2000 E. LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 9.90% |
| JUDY E. BAIRD4 | PO BOX 938 PEOPLE POWER PEO, UT 84036 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $274 | — | $274 | 1.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $596K |
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 | 1,120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE - STEALTH PARTNER GROUP | 887 | $2.7M |
| Dental | SELECT BENEFITS GROUP, INC., DBA DENTAL SELECT | 878 | $0 |
| Vision | EYEMED | 1,753 | $59K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,137 | $355K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 122 | $78K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,049 | $183K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE - STEALTH PARTNER GROUP | 887 | $2.7M |
| Other(7 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,500 | $806K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,753 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.