| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE CO OF CANADA | $12K | $6K | $18K | 6.79% |
| UMR, INC.3 Filed as: UMR, INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE CO OF CANADA | — | $2K | $2K | 0.58% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $646 | $5K | 16.01% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | GORDON BROWN 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $972 | — | $972 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $189K |
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $51K |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 170 | $16K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 170 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $28K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | STEALTH PARTNER GROUP | 148 | $523K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.