| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $975 | $24K | 3.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD SUITE 1000 CHICAGO, IL 60605 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $543 | $0 | $543 | 0.92% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $692 | $3K | 14.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $516 | $0 | $516 | 2.21% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | VISION SERVICE PLAN | $146 | $0 | $146 | 0.68% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.58% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $668K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 87 | $59K |
| Vision | VISION SERVICE PLAN | 140 | $22K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $23K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $668K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.