| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | TIMOTHY T. KING 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $50K | $6K | $56K | 3.35% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 5.36% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 25.93% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INS COMPANY | $5K | $1K | $6K | 18.23% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $723 | $4K | 15.94% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $575 | $2K | 13.12% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.96% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $822 | $202 | $1K | 15.82% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 415 | $1.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $162K |
| Vision(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 415 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INS COMPANY | 151 | $41K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 67 | $46K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 151 | $71K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 151 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
No prospect flags tripped on this filing.