| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E #300 SLC, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 11.24% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $505 | $4K | 17.48% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $492 | $3K | 17.81% |
| 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 | $2K | $542 | $2K | 13.60% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.39% |
| EMPLOYEE CHOICE SOLUTIONS3 | INS AGENCY INC 216 S 200 W CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $94 | $94 | 0.68% |
| 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 | $544 | — | $544 | 5.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $336 | $2K | 18.51% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | HUMANADENTAL INSURANCE COMPANY | $144 | — | $144 | 2.02% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | HUMANADENTAL INSURANCE COMPANY | $27 | — | $27 | 0.38% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVE STE ENGLEWOOD, CO 80111 | HUMANADENTAL INSURANCE COMPANY | $27 | — | $27 | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Direct payment from the plan; Contract Administrator; Named fiduciary; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Non-monetary compensation; Other services; Participant communication Service code 13 | — | $13K |
| CIGNA HEALTH & LIFE INSURANCE COMPA | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; 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 | 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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $358K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 110 | $7K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 163 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $18K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $358K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.