| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFF KLUGE3 | — | MOTIVHEALTH INSURANCE | $67K | — | $67K | 4.27% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $3K | $13K | 15.60% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 21.26% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | — |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 161 | $0 |
| Vision | ACE AMERICAN INSURANCE COMPANY | 161 | $0 |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 225 | $82K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 86 | $42K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 225 | $82K |
| Prescription drug | MOTIVHEALTH INSURANCE | 508 | $1.6M |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE | 508 | $1.6M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 225 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.