| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 17.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GBS BENEFITS / GORDON BROWN | 2200 S. MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $1K | — | $1K | 7.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $694 | $159 | $853 | 16.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GBS BENEFITS / GORDON BROWN | 2200 S. MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $3K | — | $3K | 2399.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Other fees; Direct payment from the plan; Claims processing; Float revenue Service code 12 | — | $381K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $86K |
| GBS BENEFIT, INC. EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $23K |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 356 | $143 |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 160 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $54K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY - STEALTH PARTNER GROUP | 149 | $331K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
No prospect flags tripped on this filing.