| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 EAST, STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $10K | $26K | 3.76% |
| GBS BENEFITS INC3 | 465 S 400 EAST, STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $5K | $67K | 16.25% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E, STE 300 SALT LAKE CITY, UT 841113349 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ALLSTATE | $64K | $0 | $64K | 50.70% |
| GBBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23K | $14K | $37K | 29.80% |
| MURRAY BRADY3 | 6330 S 3000 E STE 600 SALT LAKE CITY, UT 841216234 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $19K | $19K | 15.47% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | $321 | $10K | 8.22% |
| MURRAY BRADY3 | 6330 S 3000 E STE 600 SALT LAKE CITY, UT 841216234 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.55% |
| GBS BENEFITS INC4 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES, INC | $5K | $0 | $5K | 13.76% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT BALLWIN, MO 63011 | PRE-PAID LEGAL SERVICES, INC | $527 | $0 | $527 | 1.41% |
| BRIELLE N. HOFFMAN CROUSE4 Filed as: BRIELLE N HOFFMAN CROUSE | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES, INC | $403 | $0 | $403 | 1.08% |
| SUE B MARTINES4 | 1665 NW HIGHLAND DR CORVALLIS, OR 97330 | PRE-PAID LEGAL SERVICES, INC | $187 | $0 | $187 | 0.50% |
| LOWELL N. STEELE4 | 336 EAST 830 SOUTH FARMINGTON, UT 84025 | PRE-PAID LEGAL SERVICES, INC | $164 | $0 | $164 | 0.44% |
| D'ANN DABELL4 | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC | $153 | — | $153 | 0.41% |
| ANN M PALMER4 | 311 SUNNYSIDE AVE MURRELLS INLET, SC 29576 | PRE-PAID LEGAL SERVICES, INC | $140 | $0 | $140 | 0.37% |
| PAUL ARCHULETA4 | 4700 SAM BRITTON AVE NW ALBUQUERQUE, NM 87114 | PRE-PAID LEGAL SERVICES, INC | $69 | $0 | $69 | 0.18% |
| ALAN K STEELE4 | P.O. BOX 664 SANTAQUIN, UT 84655 | PRE-PAID LEGAL SERVICES, INC | $36 | $0 | $36 | 0.10% |
| MARSHALL GROUP INC4 | 265 NORTH 700 WEST BLACKFOOT, ID 83221 | PRE-PAID LEGAL SERVICES, INC | $26 | $0 | $26 | 0.07% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 300 E SUITE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $850K |
| GBS BENEFITS INC BROKER | Other services Service code 49 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | $70K |
| CIGNA | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary 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 | 886 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MARQUEE HEALTH LLC | 322 | $340K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,144 | $799K |
| Vision | VISION SERVICE PLAN | 724 | $147K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 889 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 889 | $699K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 889 | $822K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 889 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,144 | — |
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.