| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | NATIONAL UNION FIRE INSURANCE | $21K | — | $21K | 5.00% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 2.49% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGCY ASSOC LLC | — | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.28% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $2K | $218 | $2K | 16.65% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 525 E 100 S #200 SALT LAKE CITY, UT 84111 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $132K |
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $0 |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 152 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $19K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 171 | $129K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 171 | $115K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE | 141 | $413K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 180 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.