| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $135K | $135K | 3.09% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 3.35% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVE #1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $210 | $210 | 0.04% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS LLC | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | AETNA LIFE INSURANCE CO. | $24K | — | $24K | 9.35% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $2K | — | $2K | 3.54% |
| 8PTC03 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 54.77% |
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 | 414 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 829 | $4.4M |
| Dental | AETNA LIFE INSURANCE CO. | 826 | $253K |
| Vision | VISION SERVICE PLAN | 291 | $57K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 624 | $515K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 624 | $515K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 624 | $515K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 624 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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.