| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $23K | $31K | 3.85% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84K | $23K | $107K | 19.01% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $20K | $26K | 5.68% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ALLSTATE | $60K | — | $60K | 17.83% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $34K | — | $34K | 10.93% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | $6K | $9K | $14K | 6.92% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.66% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC | $330 | — | $330 | 1.93% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF TEXAS, INC | $221 | — | $221 | 2.16% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $174 | — | $174 | 2.04% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF KENTUCKY, INC | $88 | — | $88 | 1.72% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF MISSOURI, INC | $101 | — | $101 | 1.97% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC | $105 | — | $105 | 2.05% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC | $62 | — | $62 | 1.82% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF COLORADO, INC | $74 | — | $74 | 2.17% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF OHIO, INC | $69 | — | $69 | 2.02% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC | $57 | — | $57 | 1.67% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA DENTAL HEALTH OF VIRGINIA, INC | $29 | — | $29 | 1.70% |
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 | 4,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 487 | $337K |
| Dental(11 contracts, 11 carriers) | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC | 84 | $67K |
| Vision | EYEMED VISION CARE | 6,504 | $308K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | 4,025 | $208K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,875 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,504 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.