| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | 2200 S MAIN ST, STE 600 S SALT LAKE, UT 84115 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $53K | $6K | $59K | 3.30% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $19K | $0 | $19K | 1.05% |
| GBS BENEFITS INC3 | 2200 S MAIN ST, STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | UNITEDHEALTHCARE INSURANCE COMPANY | $515 | -$449 | $66 | 0.05% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | COMPANION LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.13% |
| GBS BENEFITS INC3 | 2200 S MAIN ST, #600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 9.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $239 | $0 | $239 | 0.29% |
| GBS BENEFITS INC3 | 2200 S MAIN ST, #600 SALT LAKE CITY, UT 84115 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 11.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $484 | $0 | $484 | 1.12% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST, STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 49.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.22% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET SOUTH SALT LAKE CITY, UT 84115 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $303 | $0 | $303 | 1.76% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 574 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $248K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 459 | $135K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 355 | $200K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 355 | $161K |
| Stop-loss / reinsurancereinsurance | PROSELECT INSURANCE COMPANY DBA COVERYS | 131 | $224K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 113 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.