| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BANASKY, AN ALERA INS. AGENCY LLC | 981 BAXTER DRIVE SOUTH JORDAN UTAH, UT 84095 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $2K | $0 | $2K | 7.00% |
| GCG FINANCIAL LLC3 Filed as: BANASKY INSURANCE INC | 13693 S 200 W STE 300 DRAPER, UT 84020 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| TOTAL DENTAL ADMINISTRATORS, INC.3 Filed as: TOTAL DENTAL ADMINISTRATORS INC | 6985 UNION PARK CENTER STE 678 COTTONWOOD, UT 84047 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.50% |
| GCG FINANCIAL LLC3 Filed as: BANASKY INSURANCE INC | 13693 S 200 W STE 300 DRAPER, UT 84020 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.09% |
| TOTAL DENTAL ADMINISTRATORS, INC.3 Filed as: TOTAL DENTAL ADMINISTRATORS INC | 6985 UNION PARK CENTER STE 678 COTTONWOOD, UT 84047 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.54% |
| GCG FINANCIAL LLC3 Filed as: BANASKY, AN ALERA INS. AGENCY LLC | 981 BAXTER DRIVE SOUTH JORDAN UTAH, UT 84095 | VISION SERVICE PLAN | $339 | $0 | $339 | 7.01% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 118 | $30K |
| Vision | VISION SERVICE PLAN | 88 | $5K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 128 | $29K |
| Other(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 128 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.