| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $24K | $11K | $35K | 2.90% |
| KREEFT & LEGROW3 | 8845 W. FLAMINGO, SUITE 110 LAS VEGAS, NV 89147 | ANTHEM BLUE CROSS | $9K | — | $9K | 6.49% |
| GBS BENEFITS INC Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | ACE USA GROUP | $5K | — | $5K | 7.00% |
| GBS BENEFITS INS AGENCY3 | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.21% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INS. AGENCY | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $595 | $2K | 15.17% |
| WAYMARK INSURANCE SERVICES3 | 8845 WEST FLAMINGO RD., STE 110 LAS VEGAS, NV 89147 | LIBERTY DENTAL PLAN OF NEVADA, INC. | $873 | — | $873 | 10.00% |
| GBS BENEFITS INC Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | ALLSTATE | $3K | — | $3K | 38.31% |
| GBS BENEFITS INC Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | OPTICARE OF UTAH | $720 | — | $720 | 17.47% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SELECTHEALTH | 492 | $1.4M |
| Dental(2 contracts, 2 carriers) | ACE USA GROUP | 120 | $83K |
| Vision | OPTICARE OF UTAH | 45 | $4K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $39K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.