| 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 | $8K | $2K | $10K | 18.74% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | ASSURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 21.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GBS BENEFITS / GORDON BROWN | 2200 S. MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | EMI HEALTH | $1K | — | $1K | 7.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $568 | $175 | $743 | 17.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GBS BENEFITS / GORDON BROWN | 2200 S. MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | EMI HEALTH | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $122K |
| GBS BENEFIT, INC. EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $8K |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMI HEALTH | 325 | $0 |
| Vision | EMI HEALTH | 175 | $19K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $90K |
| Stop-loss / reinsurancereinsurance | IISI NIAGARA - STEALTH PARTNER GROUP | 133 | $460K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.