| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E. STE 300 SALT LAKE CITY, UT 841113349 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GBS BENEFITS INC3 | 465 S 400 E. STE 300 SALT LAKE CITY, UT 841113349 | LINCOLN NATIONAL LIFE INSURANCE | $3K | $5K | $8K | 14.48% |
| GBS BENEFITS INC3 | 465 S 400 E. STE 300 SALT LAKE CITY, UT 841113349 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 13.93% |
| GBS BENEFITS INC3 | 465 S 400 E. STE 300 SALT LAKE CITY, UT 841113349 | LINCOLN NATIONAL LIFE INSURANCE | $5K | $2K | $6K | 20.53% |
| GBS BENEFITS INC3 | 465 S 400 E. STE 300 SALT LAKE CITY, UT 841113349 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 29.70% |
| GBS BENEFITS INC3 | 465 S 400 E. STE 300 SALT LAKE CITY, UT 841113349 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 24.90% |
| GBS BENEFITS INC3 | 465 S 400 E. STE 300 SALT LAKE CITY, UT 841113349 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | PO BOX 30555 SALT LAKE CITY, UT 84130 | $78K |
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | 465 S 400 E STE 300 SLC, UT 84111 | $0 |
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 | 187 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $436K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $436K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $436K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE | 352 | $62K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $20K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $436K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.