| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E SALT LAKE CITY, UT 84111 | SELECTHEALTH | $41K | $8K | $49K | 5.97% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 7.03% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $4K | $709 | $4K | 5.98% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $3K | $648 | $4K | 5.98% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INS COMPANY | $3K | — | $3K | 27.90% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| STEVEN J FARRINGTON3 | 902 WEST HALSTEAD DR. NORTH SALT LAKE, UT 84054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| PATTI A VINCENT3 | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| MILLER & WADE INSURANCE AGENCY3 | 1031 W CENTER ST OREM, UT 84057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| PAM ANDERSON & ASSOCIATES INC3 Filed as: PAM ANDERSON & ASSOSIATES INC. | 5818 S 900 E MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| SHERRI M HOPKINS INS AGENCY3 Filed as: SHERRI M HOPKINS INS AGCY LUTCF,PC | 5782 SOUTH 900 EAST MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFIT INSURANCE AGENCY | 465 S 400 E SALT LAKE CITY, UT 84111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | SELECTHEALTH | 777 | $954K |
| Dental | ACE AMERICAN INSURANCE COMPANY | 139 | $75K |
| Vision(3 contracts) | SELECTHEALTH | 777 | $954K |
| Life insurance(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 37 | $2.4M |
| Short-term disability | AMERICAN HERITAGE LIFE INS COMPANY | 37 | $12K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 37 | $2.4M |
| Other | AMERICAN HERITAGE LIFE INS COMPANY | 37 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.