| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | $12K | $54K | 18.77% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $664 | $3K | 24.09% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS INC | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $542 | $542 | 4.61% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $507 | $2K | 23.54% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS INC | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $430 | $430 | 4.54% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $414 | $2K | 23.56% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS INC | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $338 | $338 | 4.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIM PROCESSOR | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $7K |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $289K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $289K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $289K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $23K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.