| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. SUITE 200 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 5.56% |
| COBECON3 | 11755 E. PEAKVIEW ENGLEWOOD, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 1.76% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 1.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AGCY & FIN SVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $502 | — | $502 | 0.13% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INS ANGENCY | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $848 | — | $848 | 6.51% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BNFTS CONSORTIUM, LLC | 11755 E. PEAKVIEW AVE #250 ENGLEWOOD, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $454 | — | $454 | 3.49% |
| CORP BENFTS CONSORTIUM, LLC3 | 11755 E. PEAKVIEW AVE. STE 250 ENGLEWOOD, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 18.13% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 18.13% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INS. AGENCY | 465 S. 400 E. SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $215 | — | $215 | 1.77% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $204 | — | $204 | 2.73% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $164 | — | $164 | 2.20% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM, LLC | COB 11755 E. PEAKVIEW ENGLEWOOD, CO 80111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $88 | — | $88 | 1.18% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM, LLC | COBECOM 11755 E. PEAKVIEW ENGLEWOOD, CO 80111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $76 | — | $76 | 1.02% |
| CORPORATION BENEFITS CONSORTIUM, LL3 | 11755 E. PEAKVIEW AVE. ENGLEWOOD, CO 80111 | HUMANADENTAL INSURANCE COMPANY | $202 | — | $202 | 4.15% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 709 E. S. TEMPLE SALT LAKE CITY, UT 84102 | HUMANADENTAL INSURANCE COMPANY | $130 | — | $130 | 2.67% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | HUMANADENTAL INSURANCE COMPANY | $30 | — | $30 | 0.62% |
| CORP BENFTS CONSORTIUM, LLC3 Filed as: CORP BNFTS CONSORTIUM, LLC | 11755 E PEAKVIEW AVE #250 ENGLEWOOD, CO 80111 | THE LINCOLN LIFE INSURANCE COMPANY | $639 | — | $639 | 13.49% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN LIFE INSURANCE COMPANY | $639 | — | $639 | 13.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Direct payment from the plan; Named fiduciary; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Non-monetary compensation; Contract Administrator; Participant communication Service code 13 | — | $24K |
| CIGNA HEALTH & LIFE INSURANCE COMPA | Participant communication; Named fiduciary; Float revenue; Claims processing; Contract Administrator; Direct payment from the plan; Other services; Non-monetary compensation 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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 132 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $385K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 100 | $5K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 155 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $13K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $385K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.