| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $29K | $34K | 6.35% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC LIFE & VOL AD&D | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $343 | $2K | 11.79% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC VOL STD | 465 S 400 E 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $721 | $323 | $1K | 6.59% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC LIFE & AD&D | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $339 | $193 | $532 | 3.36% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC LTD | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $270 | $105 | $375 | 2.37% |
| GBS BENEFITS INC3 | 8PTC0 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 50.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 UNKNOWN | Claims processing Service code 12 | — | $29K |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $538K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $538K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $538K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $16K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $16K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.