| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $117K | $39K | $156K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $53K | $0 | $53K | 15.00% |
| ENROLLEASE4 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PARK 200/899 CASSATT RD BERWYN, PA 19312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 4.00% |
| MGIS4 | 111 SOUTH MAIN STREET STE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.05% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS LIFE INSURANCE GROUP | $12K | $5K | $17K | 10.71% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $859 | $0 | $859 | 15.00% |
| ENROLLEASE4 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PARK 200/899 CASSATT RD BERWYN, PA 19312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $286 | $0 | $286 | 5.00% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 765 | $3.9M |
| Dental | AMERITAS LIFE INSURANCE GROUP | 308 | $163K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 308 | $163K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 15 | $6K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.