| 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 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | $5K | — | $5K | 7.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $595 | $4K | 17.53% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $578 | $4K | 17.51% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MANI ST. STE 600 SOUTH SALT LAKE, UT 84115 | VISION SERVICE PLAN | $985 | — | $985 | 7.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $255 | $1K | 14.95% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $184 | $2K | 17.02% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | 267 | $76K |
| Vision | VISION SERVICE PLAN | 182 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $23K |
| Prescription drug | MOTIVHEALTH INSURANCE CO. | 381 | $972K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE CO. | 381 | $972K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.