| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT JENKINS3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | MOTIVHEALTH INSURANCE CO. | $53K | — | $53K | 5.34% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC 261 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 6.52% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $19K | — | $19K | 35.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6340 SOUTH 3000 EAST SUITE 500 SALT LAKE CITY, UT 84121 | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 7.39% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $372 | $2K | 18.70% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $277 | $1K | 15.42% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC 261 | 2200 S MAIN ST STE 600 SOUT SALT LAKE, UT 84111 | OPTICARE VISION SERVICES | $925 | — | $925 | 10.01% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $291 | $170 | $461 | 23.75% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 296 | $84K |
| Vision | OPTICARE VISION SERVICES | 171 | $9K |
| Life insurance(4 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 211 | $76K |
| Prescription drug | MOTIVHEALTH INSURANCE CO. | 203 | $992K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE CO. | 203 | $992K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
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.