| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE, UT 84111 | AMERITAS LIFE INSURANCE CORP | $9K | $0 | $9K | 5.04% |
| AFFORDABLE BENEFIT SOLUTIONS3 | 50 W 700N LOGAN, UT 84321 | GUARDIAN | $39K | $0 | $39K | 26.83% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS | PO BOX 1060 GETTYSBURG, PA 17325 | GUARDIAN | $3K | $0 | $3K | 2.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $756 | $5K | 3.46% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.71% |
| IMA, INC.3 Filed as: IMA INC. | 136 E SOUTH TEMPLE STE 2300 SALT LAKE, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $193 | $193 | 0.15% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $928 | $16K | 14.21% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.79% |
| IMA, INC.3 Filed as: IMA INC. | 136 E SOUTH TEMPLE STE 2300 SALT LAKE, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.61% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $490 | $4K | 4.98% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.71% |
| IMA, INC.3 Filed as: IMA INC. | 136 E SOUTH TEMPLE STE 2300 SALT LAKE, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $159 | $0 | $159 | 0.22% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $9K | $17K | 26.42% |
| IMA, INC.3 Filed as: IMA INC. | 136 E SOUTH TEMPLE STE 2300 SALT LAKE, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.75% |
| DIVERSIFIED INSURANCE3 | 95 S. STATE ST. STE 300 SALT LAKE CITY, UT 84111 | OPTICARE VISION SERVICES | $0 | $4K | $4K | 9.97% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | OPTICARE VISION SERVICES | $0 | $0 | $0 | 0.00% |
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 | 891 | 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) | 891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 351 | $171K |
| Vision | OPTICARE VISION SERVICES | 891 | $43K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 686 | $185K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $65K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 686 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.