| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | SUITE 600 2200 S MAIN ST SOITH SALT LAKE, UT 84115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 8.62% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 6.05% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $178 | $178 | 0.03% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.62% |
| KAREN HARMER3 Filed as: KAREN L HARMER | PO BOX 829 SANDY, UT 84091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 6.97% |
| MORETON & COMPANY3 Filed as: MORETON &COMPANY | 101 SO 2NDEAST SUITE 300 SALT LAKE CITY, UT 84111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 3.87% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS,INC | 465 S. 400E. STE 300 SALT LAKE CITY, UT 84111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.44% |
| LONI MCGREGORINC3 | 228 E GOLDEN WILLOW CIRCLE SANDY, UT 84070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.69% |
| KERRY C. GRAY3 Filed as: KERRY C GRAY | PO BOX1236 WEST JORDAN, UT 84088 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| NEENA W BEVERLY3 | 1888 E 6400 S HOLLADAY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.49% |
| MIKE C LUNDQUIST3 Filed as: MIKE C LUNQUIST | 8889 SILVERSTONE WAY SANDY, UT 84093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $956 | — | $956 | 0.47% |
| JUDSON T LAW3 | 7654 WILLOW WALK LN EAGLE MTN, UT 84005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 0.12% |
| CLINT WEIGHT3 | 745 S 180 WEST SALEM, UT 84653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.07% |
| DAMON STREETMAN3 | 5894 WILDFLOWER CT HIGHLAND, UT 84003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.06% |
| BRETT J HILTON3 | 7263 W13100 S HERRIMAN, UT 84096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.05% |
| QUINTON J MILES3 | 130N.SHELMORE BLVD MT PLEASANT, SC 29464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.03% |
| ELIZABETH N LOPEZ3 | 925 PARK AVE ELY, NV 89301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.02% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 2961 WMAPLELOOP RD SUITE 230 LEHI, UT 84043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.01% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 1331 W MOREHEADST 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| ORTSENTERPRISES,INC3 | 920 FLORAL BANKPOINT WOODSTOCK, GA 30018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| JUAN ORTS3 | 920 FLORA LBANKPOINT WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 5463 SOUTH DURANGO DRIVE STE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| COLLEEN LAPRADE3 Filed as: COLLEEN MLAPRADE | 6005 HIDDEN VALLEY ROAD SUITE150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TYLER KOHLER3 | 1323 E BENT PINECOVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET, SUITE 600 SOUTH SALT LAKE, UT 84115 | OPTICARE VISION SERVICES | $2K | — | $2K | 5.97% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST STE 300 SALT LAKE CITY, UT 84158 | OPTICARE VISION SERVICES | $1K | — | $1K | 4.03% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | SELECT HEALTH | $45K | — | $45K | — |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | SELECT HEALTH | $26K | — | $26K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMIN | Claims processing Service code 12 | — | $186K |
| THE PRUDENTIAL INS CO OF AMERICA EIN 22-1211670 BROKER | Claims processing Service code 12 | — | $47K |
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 | 860 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 525 | $0 |
| Dental | ACE AMERICAN INSURANCE COMPANY | 310 | $291K |
| Vision | OPTICARE VISION SERVICES | 253 | $27K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 860 | $628K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 860 | $628K |
| Other(4 contracts, 4 carriers) | COMPANION LIFE OF COLUMBIA, SC | 920 | $1.6M |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.