| 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 | $11K | $45K | $56K | 4.46% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $41K | $50K | 5.40% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113K | $45K | $158K | 20.98% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $18K | $25K | 4.86% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $42K | — | $42K | 10.00% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 2.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 18.60% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS LLC | 465 S 400 STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 20.20% |
| GBS BENEFITS INC4 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $16K | — | $16K | 16.66% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $3K | — | $3K | 2.89% |
| D'ANN DABELL4 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | — | $1K | 1.21% |
| PAUL BRAOUDAKIS4 | 6035 IRENE DR HOFFMAN ESTATES, IL 60192 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $23 | — | $23 | 0.02% |
| LOIBEN ENTERPRISES INC4 | 3009 SHORT ST MUNHALL, PA 15120 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $20 | — | $20 | 0.02% |
| GREGORY MELSON4 | 7032 HEARTHSIDE CV MEMPHIS, TN 38119 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $13 | — | $13 | 0.01% |
| ALICIA D COLBURN4 | 11642 W SCHLEIFER DR YOUNGTOWN, AZ 85363 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $13 | — | $13 | 0.01% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 15.81% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $10K | 22.54% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFIT INC | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $86 | — | $86 | 9.94% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 9.76% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 10.00% |
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 | 4,870 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 565 | $219K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8,971 | $181K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 7,230 | $420K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,587 | $1.7M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,587 | $1.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,587 | $521K |
| Other(9 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,000 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,971 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.