| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST SUITE 600 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT | $320K | — | $320K | 4.35% |
| GBS BENEFITS INC3 | 2200 S MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $187K | — | $187K | 20.40% |
| GBS BENEFITS INC3 | 2200 S MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $135K | — | $135K | 19.81% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $60K | — | $60K | 9.29% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $15K | $15K | 2.32% |
| GBS BENEFITS INC3 | 2200 S MAIN ST SUITE 600 SALT LAKE CITY, UT 84115 | HARTFORD LIFE AND ACCIDENT | $69K | — | $69K | 15.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $89K | — | $89K | 21.99% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.68% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $342 | $342 | 2.17% |
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 | 17,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 17,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 13,868 | $660K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11,653 | $7.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 11,653 | $7.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,653 | $7.4M |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 16,472 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,472 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.