| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INSURANCE AGENCY | LANDON FIELDING 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $32K | $7K | $38K | 2.08% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | LIFEMAP ASSURANCE COMPANY | $17K | — | $17K | 8.42% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 65.94% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 66.00% |
| GBS BENEFITS INC3 | 465 S 400E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 66.00% |
| ASSUREDPARTNERS3 Filed as: GBS BENFITS INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 38.31% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 65.99% |
| ASSUREDPARTNERS3 Filed as: GBS BENFITS INC | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 66.02% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $33 | — | $33 | 62.26% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 387 | $1.8M |
| Dental | LIFEMAP ASSURANCE COMPANY | 257 | $202K |
| Vision | LIFEMAP ASSURANCE COMPANY | 257 | $202K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 257 | $202K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 257 | $202K |
| Other | LIFEMAP ASSURANCE COMPANY | 257 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.