| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTIAN KUNZ, GBS BENEFITS3 Filed as: CHRISTIAN KUNZ | 2200 S MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | MOTIVHEALTH INSURANCE CO. | $52K | — | $52K | 6.01% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 11.66% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC 261 | 2200 S MAIN STREET SUITE 600 SALT LAKE CITY, UT 84111 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $5K | — | $5K | 9.52% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $785 | $8K | 16.70% |
| GBS BENEFITS INC3 | 2200 S MAIN STRRET SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $500 | $4K | 13.42% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $158 | $1K | 13.95% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | OPTICARE VISION SERVICES | $632 | — | $632 | 9.99% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC 261 | 2200 S MAIN STREET SUITE 600 SALT LAKE CITY, UT 84111 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $490 | — | $490 | 11.65% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 65 | $59K |
| Vision | OPTICARE VISION SERVICES | 52 | $6K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $70K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $30K |
| Prescription drug | MOTIVHEALTH INSURANCE CO. | 255 | $867K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE CO. | 255 | $867K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.