| 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 | $29K | $12K | $41K | 2.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DR 100 HENDERSON, NV 89119 | ANTHEM BLUE CROSS | $9K | — | $9K | 5.85% |
| GBS BENEFITS INC Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | DENTALSELECT | $6K | — | $6K | 7.00% |
| GBS BENEFITS INS AGENCY3 | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $547 | $5K | 17.01% |
| GBS BENEFITS INC Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | ALLSTATE | $8K | — | $8K | 43.63% |
| 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 | $310 | $2K | 12.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DR., STE 100 LAS VEGAS, NV 84119 | GUARDIAN DENTAL | $1K | — | $1K | 9.42% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ALLSTATE | $2K | — | $2K | 14.49% |
| GBS BENEFITS INC Filed as: GBS BENEFITS, INC. | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | OPTICARE OF UTAH | $1K | — | $1K | 20.87% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | SELECTHEALTH | 501 | $1.6M |
| Dental(2 contracts, 2 carriers) | DENTALSELECT | 131 | $99K |
| Vision | OPTICARE OF UTAH | 53 | $5K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $44K |
| Other | BLOMQUIST HALE EMPLOYEE ASSISTANCE | 227 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.