| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 5.15% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 21.04% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $297 | $2K | 13.27% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $242 | $2K | 16.30% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186 | $50 | $236 | 12.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $237 | — | $237 | 13.99% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $0 | — |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $4K | $244 | $4K | — |
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 | 39 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 39 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $788K |
| Dental | DELTA DENTAL OF CALIFORNIA | 105 | $20K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 59 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $2K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $10K |
| Other(2 contracts, 2 carriers) | INTERMOUNTAIN EMPLOYEE ASSISTANCE PROGRAM | 56 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.