| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $38K | $13K | $51K | 2.94% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $7K | — | $7K | 6.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $8K | 18.45% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMAPNY | $4K | $1K | $6K | 13.97% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 4650 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $682 | $4K | 17.88% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $409 | $139 | $548 | 2.72% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $433 | $386 | $819 | 26.38% |
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 | 294 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 325 | $1.7M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 310 | $116K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMAPNY | 210 | $39K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.