| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 SOUTH 400 EAST STE. 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $230K | $230K | 1.12% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 SOUTH 400 EAST STE. 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $8K | $46K | 11.98% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 SOUTH 400 EAST STE. 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $5K | — | $5K | 1.83% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 SOUTH 400 EAST STE. 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $5K | $30K | 12.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 SOUTH 400 EAST STE. 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $4K | $26K | 12.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 22.51% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | ALLSTATE WORKPLACE DIVISION | $6K | — | $6K | 15.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 46.07% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $620 | $4K | 12.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | ALLSTATE WORKPLACE DIVISION | $4K | — | $4K | 15.05% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 64.77% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | $15 | $88 | 12.09% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 60.87% |
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 | 2,195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,512 | $20.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,014 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,778 | $266K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $385K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $337K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $249K |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,512 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.