| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $161K | $54K | $215K | 3.99% |
| GBS BENEFITS INC3 | 465 S 400 E STE300 SALT LAKE CITY, UT 84111 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.85% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 6.08% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.83% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.37% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $530 | $3K | 11.72% |
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 | 526 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 1,973 | $5.4M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 679 | $512K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 679 | $512K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 738 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 738 | $86K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 738 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,973 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.