| 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 | UNITED HEALTHCARE INSURANCE CO | — | $110K | $110K | 3.09% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED HEALTHCARE INSURANCE CO | — | $6K | $6K | 0.16% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $331 | $26K | 28.41% |
| EMPLOYEE CHOICE SOLUTIONS3 | INS AGENCY INC 216 S 200 W CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $845 | $845 | 0.91% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $238 | — | $238 | 0.26% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $8K | — | $8K | 11.78% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.47% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $53 | $10K | 23.39% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $669 | — | $669 | 1.51% |
| EMPLOYEE CHOICE SOLUTIONS3 | INS AGENCY INC 216 S 200 W CEDAR CITY, UT 84720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $425 | $425 | 0.96% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $5K | $20K | $26K | — |
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 | 286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 809 | $3.6M |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 289 | $0 |
| Vision | EYEMED | 678 | $64K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 430 | $60K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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.