| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALT PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | — | $72K | $72K | 5.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | MERITAIN HEALTH | — | $75K | $75K | 11.96% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 40.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 28.57% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INSURANCE | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 12.67% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $124 | — | $124 | 0.43% |
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 | 1,696 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 930 | $625K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,802 | $0 |
| Vision | VISION SERVICE PLAN | 943 | $116K |
| Prescription drug | RXBENEFITS, INC. | 1,069 | $0 |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 893 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,802 | — |
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.