| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OFCANADA | $19K | — | $19K | 4.99% |
| STEALTH PARTNER GROUP LLC3 | 9375 E SHEA BLVD STE 205 SCOTTSDALE, AZ 85260 | SUN LIFE ASSURANCE COMPANY OFCANADA | $0 | $7K | $7K | 1.85% |
| UMR, INC.3 Filed as: UMR, INC PFEIFFER WOODS | 5151 PFEIFFER RD ML 400 CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OFCANADA | $0 | $2K | $2K | 0.60% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 SOUTH MAIN STREET SUITE 600 SALT LAKE CITY, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 5.16% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 3.21% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | STE 600 2200 SOUTH MAIN STREET SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $810 | $8K | 15.46% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | STE 600 2200 SOUTH MAIN STREET SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $337 | $3K | 12.63% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $1K | — | $1K | 9.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MNGMNT | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $212K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $35K |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $163K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 199 | $146K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 215 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $50K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE - STEALTH PARTNER GROUP | 196 | $814K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.