| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE CO. OF AMERICA | $2K | $4K | $6K | 1.88% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS INSURANCE AGENCY | 525 EAST 100 SOUTH SUITE 200 SALT LAKE CITY, UT 84102 | UNUM LIFE INSURANCE CO. OF AMERICA | $4K | — | $4K | 1.34% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS INSURANCE AGENCY | 525 E 100 S STE 200 SALT LAKE CITY, UT 84102 | UNUM LIFE INSURANCE CO. OF AMERICA | $3K | — | $3K | 15.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE CO. OF AMERICA | — | $286 | $286 | 1.25% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE CO. OF AMERICA | $4K | $239 | $4K | 22.87% |
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 | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE CO. OF AMERICA | 254 | $351K |
| Short-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 254 | $328K |
| Long-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 254 | $328K |
| Other(3 contracts) | UNUM LIFE INSURANCE CO. OF AMERICA | 254 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.