| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $86K | $86K | 3.29% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET SUITE 600 SALT LAKE CITY, UT 84115 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.68% |
| GBS BENEFITS INC3 | 525 E 100 S #200 SALT LAKE CITY, UT 84102 | GUARDIAN | $13K | — | $13K | 9.18% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | GUARDIAN | $9K | — | $9K | 6.32% |
| RYAN H BECK3 | — | GUARDIAN | $348 | — | $348 | 0.24% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 12.00% |
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 | 354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 839 | $2.6M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 325 | $174K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 304 | $60K |
| Life insurance | GUARDIAN | 354 | $143K |
| Short-term disability | GUARDIAN | 354 | $143K |
| Long-term disability | GUARDIAN | 354 | $143K |
| Other | GUARDIAN | 354 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.