| 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 | $15K | $2K | $17K | 3.96% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 N. #300 SALT LAKE CITY, UT 84111 | ACE USA GROUP | $24K | — | $24K | 7.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | EYEMED | $3K | — | $3K | 9.14% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INS AGNECY | 465 S. 400 E. #300 SALT LAKE CITY, UT 84011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.47% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 17.15% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.54% |
| GBS BENEFITS INS AGENCY3 | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $982 | $1K | $2K | 10.70% |
| 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 | 5.00% |
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 | 481 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 138 | $443K |
| Dental | ACE USA GROUP | 435 | $340K |
| Vision | EYEMED | 585 | $32K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 739 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 743 | $29K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 739 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.