| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W CHARLESTON BLVD STE 140 LAS VEGAS, NV 89117 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | PRINCIPAL LIFE INSURANCE COMPANY | $853 | — | $853 | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | PRINCIPAL LIFE INSURANCE COMPANY | $781 | — | $781 | 1.21% |
| RIPPLING INSURANCE SERVICES INC3 | 300 S DUVAL ST STE 410 TALLAHASSEE, FL 32301 | PRINCIPAL LIFE INSURANCE COMPANY | $335 | — | $335 | 0.52% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $1K | $5K | 16.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLO BLVD STE A 100 LAFAYETTE, CA 94549 | RELIASTAR LIFE INSURANCE COMPANY | $971 | — | $971 | 3.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | RELIASTAR LIFE INSURANCE COMPANY | $958 | — | $958 | 3.58% |
| GBS NEVEDA INC3 | 7881 W CHARLESTON BLVD STE 140 LAS VEGAS, NV 89117 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 11.50% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 67 | $688K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 239 | $22K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 239 | $22K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $64K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $64K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $64K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.