| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD STE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | $15K | $60K | 6.61% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $15K | $292 | $15K | 3.02% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $14K | — | $14K | 3.26% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | MUTUAL OF OMAHA | — | $25K | $25K | 6.31% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | MUTUAL OF OMAHA | — | $5K | $5K | 1.36% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | — | $29K | 29.74% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $1K | — | $1K | 2.64% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.01% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | CURALINC, LLC D.B.A. CURALINC HEALTHCARE | $7K | — | $7K | 60.89% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $81K |
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $3K |
| UNITED HEALTHCARE | Claims processing; Other services 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 | 418 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 74 | $970K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 315 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 513 | $43K |
| Life insurance | MUTUAL OF OMAHA | 418 | $395K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 418 | $492K |
| Long-term disability | MUTUAL OF OMAHA | 418 | $395K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $913K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 436 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.