| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $5 | $118K | $118K | 2.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $61K | $61K | 1.05% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.14% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS INSURANCE AGENCY | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 2.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 0.81% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.11% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | — | $74 | $74 | 0.03% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 3.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $559 | — | $559 | 0.38% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 634 E SEGO AVE SALT LAKE CITY, UT 84102 | RELIASTAR LIFE INSURANCE COMPANY | $71K | — | $71K | 56.82% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $13K | 10.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.77% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 9.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 15 W SOUTH TEMPLE SUITE 700 SALT LAKE CITY, UT 84101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.05% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 7.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $601 | — | $601 | 0.51% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 6.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $423 | — | $423 | 0.47% |
| DIVERSIFIED INSURANCE GROUP3 | 136 EAST S. TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | FEDERAL INSURANCE COMPANY | $688 | — | $688 | 25.02% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,334 | $7.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 809 | $258K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 475 | $123K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 480 | $273K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 480 | $89K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 481 | $118K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 481 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,334 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.