| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | BLUE CROSS OF CALIFORNIA | $113K | $51 | $113K | 5.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $40K | $13K | $53K | 2.82% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | DENTIST DIRECT, LLC | $13K | $300 | $13K | 4.09% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $287 | $10K | 15.46% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INS. AGENCY | 465 S. 400 W. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 8.98% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.37% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $3K | — | $3K | 9.15% |
| 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 | $175 | $3K | 8.45% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.89% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 36.61% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E SUITE 300 SALT LAKE SITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 50.58% |
| LEAVITT GROUP3 Filed as: LEAVITT BENEFIT SERVICES | 216 S 200 W CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $593 | $593 | — |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | -$260 | — | -$260 | — |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 488 | $4.1M |
| Dental | DENTIST DIRECT, LLC | 355 | $328K |
| Vision | EYEMED | 750 | $34K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $95K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $47K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 424 | $2.3M |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.