| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH COMADENA3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | $33K | — | $33K | 2.81% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC 261 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $6K | — | $6K | 6.80% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE, UT 84115 | LIFEMAP ASSURANCE COMPANY | $4K | — | $4K | 16.37% |
| ASSOCIATED BENEFIT CONSULTANTSLLC3 | 2824 POLE LINE RD POCATELLO, ID 83201 | LIFEMAP ASSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DALE A NICHOLAS3 | 701 SOUTH 1000 WEST TREMONTON, UT 84337 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 119 | $1.2M |
| Dental | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 122 | $85K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 120 | $21K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 122 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.