| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 A MAIN STREET SUITE 600 SALT LAKE CITY, UT 84115 | PAN-AMERICAN LIFE INSURANCE COMPANY | $7K | — | $7K | 15.73% |
| MCFARLAND INSURANCE, LLC3 | 1025 SHOSHONE ST. SUITE 1 TWIN FALLS, ID 83301 | PAN-AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 14.86% |
| WILLIAM HAMMETT3 Filed as: WILLIAM C HAMMETT III | 6345 GULL STRAND STREET #272 SAN DIEGO, CA 92122 | PAN-AMERICAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.15% |
| KRISTIN L HIGGINS3 | 2200 S MAIN ST SOUTH SALT LAKE CITY, UT 84115 | WILLAMETTE DENTAL OF IDAHO, INC. | $800 | — | $800 | 4.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GORDON W BROWN | 2200 S MAIN ST SOUTH SALT LAKE CITY, UT 84115 | UNITED HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 5.07% |
| SHARON COUCH3 Filed as: SHARON K COUCH | 715 SHOSHONE ST N TWIN FALLS, ID 833016155 | UNITED HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 4.92% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 157 | $42K |
| Dental | WILLAMETTE DENTAL OF IDAHO, INC. | 41 | $19K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 14 | $2K |
| Life insurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 157 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
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.