| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTIAN KUNZ, GBS BENEFITS3 | 2200 S MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | MOTIVHEALTH INSURANCE CO. | $39K | — | $39K | 3.69% |
| NEIL SMART, WHITTENBURG INSURANCE3 | 90 E RED PINE DR ALPINE, UT 84004 | MOTIVHEALTH INSURANCE CO. | $19K | — | $19K | 1.78% |
| 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 | $4K | — | $4K | 6.96% |
| NEIL SMART AYI3 | 456 COUNTRY CLUB DR STANSBURY PARK, UT 84074 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $1K | — | $1K | 2.46% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES 316 | 257 EAST 200 SOUTH #750 SALT LAKE CITY, UT 84111 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $492 | — | $492 | 0.88% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 12.08% |
| NEIL F SMART II3 | 90 E RED PINE DR ALPINE, UT 84004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.26% |
| GBS BENEFITS INC3 | 2200 S MAIN STRRET SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.20% |
| NEIL F SMART II3 | 90 E RED PINE DR ALPINE, UT 84004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $964 | — | $964 | 2.71% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $738 | $352 | $1K | 11.11% |
| NEIL F SMART II3 | 90 E RED PINE DR ALPINE, UT 84004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $451 | — | $451 | 4.60% |
| STONEHILL & ASSOCIATES3 | 2200 S MAIN STREET50 WEST BROADWAY SUITE 750 SALT LAKE CITY, UT 84101 | OPTICARE VISION SERVICES | $799 | — | $799 | 10.03% |
| 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. | $441 | — | $441 | 9.45% |
| NEIL SMART AYI3 | 456 CONTRY CLUB DR STANSBURY PARK, UT 84074 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $157 | — | $157 | 3.36% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES 316 | 257 EAST 200 SOUTH #750 SALT LAKE CITY, UT 84111 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $39 | — | $39 | 0.84% |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 171 | $61K |
| Vision | OPTICARE VISION SERVICES | 145 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $36K |
| Prescription drug | MOTIVHEALTH INSURANCE CO. | 272 | $1.0M |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE CO. | 272 | $1.0M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.