| 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 | SELECTHEALTH | $51K | $10K | $61K | 5.97% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 8.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $2K | $337 | $2K | 5.99% |
| GBS BENEFITS INC3 | 525 EAST 100 S #200 SALT LAKE CITY, UT 84102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.88% |
| EMPLOYEE CHOICE SOLUTIONS3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $281 | — | $281 | 1.28% |
| RYAN H BECK3 | 756 E WINCHESTER BLVD MURRAY, UT 84107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $132 | — | $132 | 0.60% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $932 | $2K | 18.55% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $822 | $3K | 22.34% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $597 | $2K | 22.01% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $961 | $633 | $2K | 20.60% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 326 | $1.1M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 114 | $92K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 114 | $92K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $16K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $11K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.