| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICK FIELDING3 | GBS BENEFITS 2200 S MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | HSA HEALTH INSURANCE CO. | — | $55K | $55K | 5.16% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC 261 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $5K | — | $5K | 9.37% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $8K | 14.33% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.07% |
| GBS BENEFITS INC3 | 2200 S MAIN STRRET SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 16.56% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $952 | $2K | 22.87% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | OPTICARE VISION SERVICESADDRESS | $651 | — | $651 | 9.99% |
| D'ANN DABELL4 Filed as: D ANN DABELL | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 32.71% |
| WALTER TALMADGE4 | APT 9201 5615 W BROCKET DEER DR HERRIMAN, UT 84096 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | — | $28 | 0.78% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC 261 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $363 | — | $363 | 12.86% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 70 | $59K |
| Vision | OPTICARE VISION SERVICESADDRESS | 46 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $27K |
| Prescription drug | HSA HEALTH INSURANCE CO. | 285 | $1.1M |
| Stop-loss / reinsurancereinsurance | HSA HEALTH INSURANCE CO. | 285 | $1.1M |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
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.