| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | STE. 300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUE SHIELD OF UTAH | $91K | $22K | $113K | 3.38% |
| ASSUREDPARTNERS3 Filed as: GBS BENFITS, INC | 525 E. 100 S. #200 SALT LAKE CITY, UT 84102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.70% |
| GBS BENEFITS INC3 | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | LIFEMAP ASSURANCE COMPANY | $10K | $1K | $12K | 15.49% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 446 S. 400 E. SUITE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $447 | — | $447 | 10.00% |
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 | 401 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUE SHIELD OF UTAH | 1,063 | $3.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 406 | $316K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 406 | $316K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 546 | $75K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 546 | $75K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 546 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,063 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.