| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $26K | $9K | $35K | 3.04% |
| THE BUCKNER COMPANY3 Filed as: THE BUCKNER GROUP INC | 6550 S MILLROCK DR STE 300 SALT LAKE CITY, UT 84121 | SELECTHEALTH | $8K | $3K | $11K | 0.96% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $2K | $766 | $3K | 3.10% |
| THE BUCKNER COMPANY3 Filed as: THE BUCKNER GROUP INC | 6550 S MILLROCK DR STE 300 SALT LAKE CITY, UT 84121 | SELECTHEALTH | $668 | $223 | $891 | 0.90% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST. STE 600 SOUTH SALT LAKE, UT 84111 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $4K | — | $4K | 4.68% |
| THE BUCKNER COMPANY3 Filed as: THE BUCKNER GROUP INC | 6550 S MILLROCK DR STE 300 SALT LAKE CITY, UT 84121 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $845 | — | $845 | 1.00% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $661 | $2K | 14.53% |
| THE BUCKNER COMPANY3 Filed as: THE BUCKNER GROUP INC | 6550 S MILLROCK DR STE 300 SALT LAKE CITY, UT 84121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $716 | — | $716 | 4.67% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 268 | $1.2M |
| Dental | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 288 | $84K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.