| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS/DAN MCKEAN | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $32K | — | $32K | 3.04% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS / DAN MCKEAN | 2200 S. MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $5K | — | $5K | 5.00% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $593 | $6K | 11.59% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $335 | $4K | 16.25% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $324 | $4K | 16.25% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 26.43% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS / DAN MCKEAN | 2200 S. MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $899 | — | $899 | 5.00% |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 201 | $1.1M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 252 | $106K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 233 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $73K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $47K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.