| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 4.99% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE C, UT 84115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 17.94% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $397 | — | $397 | 10.76% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $329 | — | $329 | 13.70% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $332 | — | $332 | 17.94% |
| GBS BENEFITS INC3 | 2200 MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $292 | — | $292 | 17.15% |
| GBS BENEFITS INC3 | 2200 S M STREET STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $241 | — | $241 | 17.09% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $191 | — | $191 | 15.43% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $165 | — | $165 | 16.08% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $143 | — | $143 | 14.99% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $106 | — | $106 | 14.50% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $90 | — | $90 | 12.31% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $110 | — | $110 | 15.05% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $109 | — | $109 | 14.99% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $65 | — | $65 | 13.95% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $57 | — | $57 | 17.98% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $30 | — | $30 | 20.27% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $25 | — | $25 | 19.69% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL OF CALIFORNIA | $9 | — | $9 | 17.31% |
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 | 81 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 166 | $866K |
| Dental(17 contracts) | DELTA DENTAL OF CALIFORNIA | 11 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $73K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.