| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $13K | $16K | 0.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6400 S FIDDLERS GREEN CIR STE 2000 GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $12K | $15K | 0.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 6400 S FIDDLERS GREEN CIRCLE STE 2000 GREENWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $397 | $6K | 6.04% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $673 | $4K | 4.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 6400 S FIDDLERS GREEN CIRCLE STE 2000 GREENWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $188 | $4K | 9.02% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $348 | $3K | 6.11% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM INSURANCE COMPANY | $1K | $114 | $1K | 13.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 6400 S FIDDLERS GREEN CIRCLE STE 2000 GREENWOOD, CO 80111 | UNUM INSURANCE COMPANY | — | $8 | $8 | 0.08% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM INSURANCE COMPANY | $2K | $158 | $2K | 19.40% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | UNUM INSURANCE COMPANY | $563 | $46 | $609 | 9.21% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 437 | $2.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $44K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $94K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.