| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $122K | $122K | 2.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 150 JOHN F KENNEDY PKWY STE 520 SHORT HILLS, NJ 07078 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 0.53% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS LLC | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 8.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.92% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 5.69% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $235 | $235 | 0.08% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $2K | — | $2K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 416315 BOSTON, MA 02241 | VISION SERVICE PLAN | $362 | — | $362 | 0.57% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 895 | $4.8M |
| Dental | AETNA LIFE INSURANCE CO. | 920 | $289K |
| Vision | VISION SERVICE PLAN | 348 | $64K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 701 | $286K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 701 | $286K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 701 | $286K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 701 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 920 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.