| 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 | $15K | $9K | $24K | 3.57% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 0.35% |
| GBS BENEFITS INC3 | 465 S 400 EAST, STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $6K | $55K | 12.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $710 | $15K | 3.54% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E, STE 300 SALT LAKE CITY, UT 841113349 | VISION SERVICE PLAN | $17K | — | $17K | 15.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ALLSTATE | $24K | — | $24K | 23.24% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $6K | $164 | $6K | 12.46% |
| MURRAY BRADY3 | 6330 S 3000 E STE 600 SALT LAKE CITY, UT 84121 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $50 | $194 | $244 | 0.47% |
| FLANAGAN TIMOTHY C JR3 | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $0 | — | $0 | 0.00% |
| GBS BENEFITS INC4 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES, INC | $3K | — | $3K | 12.65% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT BALLWIN, MO 63011 | PRE-PAID LEGAL SERVICES, INC | $293 | — | $293 | 1.27% |
| BRIELLE N. HOFFMAN CROUSE4 Filed as: BRIELLE N HOFFMAN CROUSE | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES, INC | $238 | — | $238 | 1.03% |
| D'ANN DABELL4 | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC | $101 | — | $101 | 0.44% |
| LOWELL N. STEELE4 | 336 EAST 830 SOUTH FARMINGTON, UT 84025 | PRE-PAID LEGAL SERVICES, INC | $81 | — | $81 | 0.35% |
| ANN M PALMER4 | 311 SUNNYSIDE AVE MURRELLS INLET, SC 29576 | PRE-PAID LEGAL SERVICES, INC | $72 | — | $72 | 0.31% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | PRE-PAID LEGAL SERVICES, INC | $46 | — | $46 | 0.20% |
| ALAN K STEELE4 | P.O. BOX 664 SANTAQUIN, UT 84655 | PRE-PAID LEGAL SERVICES, INC | $34 | — | $34 | 0.15% |
| SUE B MARTINES4 | 1665 NW HIGHLAND DR CORVALLIS, OR 97330 | PRE-PAID LEGAL SERVICES, INC | $11 | — | $11 | 0.05% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 300 E SUITE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $420 | — | $420 | 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 | 800 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MARQUEE HEALTH LLC | 272 | $283K |
| Dental | DELTA DENTAL | 1,923 | $584K |
| Vision | VISION SERVICE PLAN | 686 | $111K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 915 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 915 | $659K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 915 | $711K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 813 | $706K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 915 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,923 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.