| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $18K | $190 | $18K | 3.02% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $14K | — | $14K | 3.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | MUTUAL OF OMAHA | — | $26K | $26K | 5.86% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | MUTUAL OF OMAHA | — | $7K | $7K | 1.68% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INSURANCE ADVISORS | 560 S 300 E STE 150 SALT LAKE CITY, UT 84111 | MUTUAL OF OMAHA | — | $4K | $4K | 0.84% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 18.53% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $90 | — | $90 | 0.19% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
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 | 432 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 826 | $1.2M |
| Life insurance | MUTUAL OF OMAHA | 432 | $436K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 432 | $544K |
| Long-term disability | MUTUAL OF OMAHA | 432 | $436K |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA | 436 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.