| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S. 400 W. STE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIIATES (CIGNA) | $172K | $56K | $227K | 19.51% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S. 400 N. STE 300 SALT LAKE CITY, UT 84111 | SELECT BENEFITS GROUP, INC. DBA DENTAL SELECT | $14K | — | $14K | 6.63% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $5K | $14K | 15.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $4K | $11K | 15.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $3K | — | $3K | 4.98% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2 | $2 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $20K |
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 | 604 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIIATES (CIGNA) | 889 | $1.2M |
| Dental | SELECT BENEFITS GROUP, INC. DBA DENTAL SELECT | 621 | $211K |
| Vision | EYEMED | 851 | $52K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 668 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $93K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIIATES (CIGNA) | 889 | $1.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $50 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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.