| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 S. RIVER GATE DR. STE 200 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $193K | $193K | 0.76% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 SOUTH 400 EAST STE. 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD. STE 1000 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $5K | — | $5K | 1.26% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 SOUTH 400 EAST STE. 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $2K | — | $2K | 0.62% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $46K | $54K | 18.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. STE 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 7.30% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $28K | $33K | 17.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. STE 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 7.32% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $25K | $29K | 17.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. STE. 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 7.34% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 14.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS, INC. | 6967 S. RIVER GATE DR., SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $981 | — | $981 | 0.96% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $12K | $15K | 16.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. STE. 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.33% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 12.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS, INC. | 6967 S. RIVER GATE DR., SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.26% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $10K | $12K | 18.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. STE 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.24% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 22.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS, INC. | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 18.45% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 18.36% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.49% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SO. RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SO. RIVER GATE DRIVE, SUITE 20 MIDVALE, UT 84047 | ALLSTATE WORKPLACE DIVISION | $4K | — | $4K | 10.74% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | ALLSTATE WORKPLACE DIVISION | $2K | — | $2K | 5.33% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 11.58% |
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 | 546 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,809 | $25.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 5,153 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,251 | $371K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,219 | $454K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 455 | $184K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,220 | $192K |
| Other(9 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,219 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,153 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.