| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD #140 LAS VEGAS, NV 89117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.05% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD #140 LAS VEGAS, NV 89117 | UNUM INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD #140 LAS VEGAS, NV 89117 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD #140 LAS VEGAS, NV 89117 | UNUM INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD #140 LAS VEGAS, NV 89117 | HUMANA DENTAL INSURANCE COMPANY | $2K | — | $2K | 14.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Claims processing; Plan Administrator Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $77K |
| KUSHNER & COMPANY INC EIN 38-2444337 | Consulting (general); Accounting (including auditing) Service code 10 | 2427 W CENTRE AVE PORTAGE, MI 49024 | $10K |
| GBS NEVADA INC EIN 20-4244433 | Insurance agents and brokers; Consulting (general) Service code 16 | 7881 W CHARLESTON BLVD #140 LAS VEGAS, NV 89117 | $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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA DENTAL INSURANCE COMPANY | 279 | $17K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 278 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $597K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $675K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $597K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
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.