| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | LINCOLN FINANCIAL GROUP | $21K | — | $21K | 10.18% |
| FILICE INSURANCE AGENCY3 | 738 N 1ST ST STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 4.78% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 16.66% |
| FILICE INSURANCE AGENCY3 | 738 N. 1ST ST. STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 4.41% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $1K | — | $1K | 4.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $147K |
| GBS BENEFITS INC BROKER | Other commissions Service code 55 | 465 S 400 E STE 300 SALT LAKE CTY UT, UT 84111 | $0 |
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 | 1,688 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 82 | $88K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 1,207 | $10K |
| Vision | VISION SERVICE PLAN | 903 | $30K |
| Life insurance | LINCOLN FINANCIAL GROUP | 1,745 | $207K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 425 | $40K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 1,745 | $207K |
| Other | LINCOLN FINANCIAL GROUP | 1,745 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,745 | — |
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.