| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | SELECTHEALTH | $17K | $0 | $17K | 1.28% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.08% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $735 | $2K | 13.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $224 | $0 | $224 | 1.26% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $647 | $3K | 16.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $391 | $0 | $391 | 2.51% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $615 | $334 | $949 | 15.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $175 | $0 | $175 | 2.83% |
| GBS BENEFITS INS AGENCY3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $398 | $3K | 44.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $406 | $53 | $459 | 7.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.02% |
| GBS BENEFITS INS AGENCY3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $703 | $2K | 37.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $223 | $53 | $276 | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.02% |
| GBS BENEFITS INS AGENCY3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | METROPOLITAN LIFE INSURANCE COMPANY | $474 | $142 | $616 | 32.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $114 | $53 | $167 | 8.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.27% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 180 | $1.3M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 90 | $66K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 90 | $66K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $6K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $18K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $16K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.