| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST. STE 600 SOUTH SALT LAKE, UT 84115 | MOTIVHEALTH | $40K | — | $40K | 2.48% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 23.49% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.02% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $978 | $5K | 14.43% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S. MAIN ST. STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS LIFE INSURANCE COMPANY | $727 | $470 | $1K | 4.94% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 115 N MAIN ST. CEDAR CITY, UT 84720 | AMERITAS LIFE INSURANCE COMPANY | — | $294 | $294 | 1.21% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S. MAIN ST. STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS LIFE INSURANCE CORP. | $7K | $329 | $7K | 44.27% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 115 N. MAIN ST. CEDAR CITY, UT 84720 | AMERITAS LIFE INSURANCE CORP. | — | $206 | $206 | 1.23% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $441 | $2K | 14.17% |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 190 | $17K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 297 | $24K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $58K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 108 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $32K |
| Prescription drug | MOTIVHEALTH | 502 | $1.6M |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH | 502 | $1.6M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 108 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.