| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP LLC-SOUTHWEST | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | TOKIO MARINE - STEALTH PARTNER GROUP | — | $51K | $51K | 5.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $11K | $48K | 12.92% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $9K | $52K | 18.08% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $6K | $22K | 13.81% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $18K | 11.79% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | EYEMED | $14K | — | $14K | 12.42% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $18K | — | $18K | 22.08% |
| GBS BENEFITS INC4 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 8.50% |
| D'ANN DABELL4 | 1174 N. 2000 E. LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 7.38% |
| JUDY E. BAIRD4 | PO BOX 938 PEOPLE POWER PEO, UT 84036 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $227 | — | $227 | 0.93% |
| GEORGE & PAULLA ENTERPRISES LLC4 Filed as: GEORGE AND PAULLA ENTERPRISES LLC | 97 E 2000 S BOUNTIFUL, UT 84010 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $616K |
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 | 845 | $1.0M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 839 | $718K |
| Vision | EYEMED | 1,749 | $116K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,153 | $439K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 140 | $82K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,052 | $156K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE - STEALTH PARTNER GROUP | 845 | $1.0M |
| Other(7 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,500 | $934K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,749 | — |
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."
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.