| 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 | $24K | $7K | $32K | 6.35% |
| UMR, INC.3 Filed as: UMR, INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE CO OF CANADA | — | $3K | $3K | 0.50% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $8K | $23K | 17.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GBS BENEFITS/GORDON BROWN | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $2K | — | $2K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $0 |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $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 | 498 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BIND | 0 | $503K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 547 | $0 |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 385 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $138K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $138K |
| Prescription drug | BIND | 0 | $503K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE CO OF CANADA | 297 | $503K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 661 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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.