| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $646 | $5K | 2.51% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | GUARDIAN | $28K | — | $28K | 18.18% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | GUARDIAN | — | $6K | $6K | 3.60% |
| BRITE BENEFITS INC3 | 2362 S 2300 E SALT LAKE CITY, UT 84109 | GUARDIAN | $353 | — | $353 | 0.23% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $310 | $5K | 7.84% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $253 | $8K | 15.52% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $210 | $3K | 7.42% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $68 | $2K | 15.46% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL INSURANCE COMPANY | $11K | — | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $497K |
| GBS BENEFITS INC BROKER | Other commissions Service code 55 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | $16K |
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 | 753 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 758 | $0 |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 835 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 833 | $66K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 835 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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.