| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | EMI HEALTH | $23K | — | $23K | 2.70% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | EMI HEALTH | $1K | — | $1K | 0.27% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 MAIN ST STE 600 SALT LAKE CITY, UT 84115 | GUARDIAN | $3K | $471 | $3K | 20.63% |
| CHRISTENSEN GABRIEL - 91186S3 | 360 W BROADWAY UNIT #215 SALT LAKE CITY, UT 84101 | KANSAS CITY LIFE INSURANCE COMPANY | $334 | — | $334 | 9.64% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EMI HEALTH | 99 | $1.3M |
| Dental(2 contracts) | EMI HEALTH | 99 | $1.3M |
| Vision(2 contracts) | EMI HEALTH | 99 | $1.3M |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 106 | $3K |
| Short-term disability | GUARDIAN | 58 | $14K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 106 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.