| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $141K | $11K | $152K | 19.87% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $12K | — | $12K | 7.32% |
| GBS BENEFITS INC3 | 465 S 400 E SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 12.39% |
| LEAVITT GROUP3 Filed as: LEAVITT BENEFIT SERVICES | 216 S. 200 W. CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.55% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $2K | — | $2K | 4.57% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $7 | — | $7 | 4.14% |
| GBS BENEFITS INC3 | 465 S 400 E SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3 | — | $3 | 5.17% |
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 | 534 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 751 | $767K |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 538 | $170K |
| Vision(2 contracts) | EYEMED VISION CARE | 716 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 611 | $58K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 534 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 534 | $74K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 751 | $767K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 611 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.