| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE #600 SOUTH SALT LAKE, UT 84115 | MOTIVHEALTH INSURANCE CO. | $36K | — | $36K | 1.88% |
| GBS BENEFITS INS AGENCY3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $6 | $9K | 9.22% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 16.84% |
| RYAN H BECK3 | 756 E WINCHESTER BLVD MURRAY, UT 84107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.01% |
| LANE P MORGAN3 | 672 CYNTHIA LN SANTA CLARA, UT 84765 | AFLAC | $2K | — | $2K | 27.39% |
| STANLEY H POOLE3 | 1810 CENTENNIAL DR ST GEORGE, UT 84770 | AFLAC | $1K | — | $1K | 18.62% |
| CLINT ERIC WEIGHT3 | 706 S 320 E SALEM, UT 84653 | AFLAC | $346 | — | $346 | 5.71% |
| JUDSON T LAW3 | 1477 E WEBB CV EAGLE MOUNTAIN, UT 84005 | AFLAC | $2 | — | $2 | 0.03% |
| LANE P MORGAN3 | 672 CYNTHIA LN SANTA CLARA, UT 84765 | AFLAC | $711 | — | $711 | 26.38% |
| STANLEY H POOLE3 | 1810 CENTENNIAL DR ST GEORGE, UT 84770 | AFLAC | $507 | — | $507 | 18.81% |
| CLINT ERIC WEIGHT3 | 706 S 320 E SALEM, UT 84653 | AFLAC | $157 | — | $157 | 5.83% |
| CATHERINE E HINES3 | 1755 WIDE RIVER DR ST GEORGE, UT 84790 | AFLAC | $46 | — | $46 | 1.71% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $98K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $98K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $59K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $59K |
| Prescription drug | MOTIVHEALTH INSURANCE CO. | 654 | $1.9M |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE CO. | 654 | $1.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.