| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $17K | $44K | 16.02% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $16K | $44K | 15.98% |
| STEALTH PARTNER GROUP LLC5 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD, 210 SCOTTSDALE, AZ 85255 | QBE INSURANCE | — | $11K | $11K | 5.00% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $9K | $14K | 8.07% |
| GBS BENEFITS INC Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $11K | — | $11K | 8.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 | Contract Administrator Service code 13 | — | $358K |
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 | Insurance services Service code 23 | — | $42K |
| STARPOINT, LLC EIN 03-0507057 | Contract Administrator Service code 13 | — | $21K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 | Contract Administrator Service code 13 | — | $2K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 491 | $2.2M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 491 | $2.2M |
| Vision | EYEMED | 2,620 | $123K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,213 | $446K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,215 | $274K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 491 | $2.2M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 1,417 | $210K |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,215 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,620 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.