| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS/ JEFF KLUGE | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $6K | — | $6K | 5.00% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS / JEFF KLUGE | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $667 | — | $667 | 7.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $380 | $1K | 15.28% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS / JEFF KLUGE | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | EDUCATORS MUUTAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $115 | — | $115 | 6.98% |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 599 | $136K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 623 | $10K |
| Vision | EDUCATORS MUUTAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 510 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $9K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.