| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPLIFY INSURANCE LLC3 Filed as: SIMPLIFY INSURANCE | PO BOX 7 OREM, UT 84059 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $11K | — | $11K | 1.38% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $5K | — | $5K | 0.62% |
| SIMPLIFY INSURANCE LLC3 Filed as: SIMPLIFY INSURANCE | PO BOX 7 OREM, UT 84059 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $2K | — | $2K | 4.06% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $1K | — | $1K | 1.94% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 10.59% |
| SIMPLIFY INSURANCE LLC3 | PO BOX 7 OREM, UT 84059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.51% |
| GBS BENEFITS INC3 | 564 SOUTH 400 EAST 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $901 | $755 | $2K | 10.22% |
| SIMPLIFY INSURANCE LLC3 | PO BOX 7 OREM, UT 84059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.44% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $867 | $1K | $2K | 11.88% |
| SIMPLIFY INSURANCE LLC3 | PO BOX 7 OREM, UT 84059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.15% |
| SIMPLIFY INSURANCE LLC3 Filed as: SIMPLIFY INSURANCE | PO BOX 7 OREM, UT 84059 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $394 | — | $394 | 4.15% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $176 | — | $176 | 1.85% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $197 | $277 | $474 | 10.90% |
| SIMPLIFY INSURANCE LLC3 | PO BOX 7 OREM, UT 84059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $366 | — | $366 | 8.41% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 153 | $836K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 161 | $54K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 111 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $16K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $16K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.