| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RILEY NELSON3 | 2200 S MAIN ST STE #600 SOUTH SALT LAKE, UT 84115 | MOTIVHEALTH INSURANCE CO. | $26K | — | $26K | 2.63% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 6.00% |
| GBS BENEFITS INC3 | 525 E 100 S #200 SALT LAKE CITY, UT 84102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 16.61% |
| RYAN H BECK3 | 756 E WINCHESTER BLVD MURRAY, UT 84107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58 | — | $58 | 0.13% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | LIFEMAP ASSURANCE COMPANY | $614 | — | $614 | 5.00% |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 102 | $81K |
| Vision | LIFEMAP ASSURANCE COMPANY | 69 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $45K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $45K |
| Prescription drug | MOTIVHEALTH INSURANCE CO. | 350 | $988K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE CO. | 350 | $988K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.