| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $61K | $5K | $65K | 3.23% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 6.98% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $9K | $23K | 18.85% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INSUR ADVISORS INC | 560 S 300 E STE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.10% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | GUARDIAN | $5K | $808 | $5K | 13.56% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | GUARDIAN | $3K | — | $3K | 7.15% |
| RYAN HANS BECK3 | 756 EAST WINCHEST BLVD STE 304 MURRAY, UT 84107 | GUARDIAN | $55 | — | $55 | 0.14% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 357 | $2.0M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 155 | $163K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 155 | $163K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $123K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $123K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $123K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.