| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST STE 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $36K | — | $36K | 2.75% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS LIFE INSURANCE CORP | $7K | — | $7K | 7.50% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $175 | $2K | 11.07% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $737 | — | $737 | 9.64% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $980 | $82 | $1K | 16.25% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $439 | — | $439 | 10.00% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 215 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 277 | $99K |
| Vision | AMERITAS LIFE INSURANCE CORP | 277 | $99K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $21K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 11 | $8K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.