| 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 | — | $119K | $119K | 3.10% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 12.92% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $5 | $15K | 17.11% |
| EMPLOYEE CHOICE SOLUTIONS3 | INS AGENCY INC 216 S 200 W CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $594 | $594 | 0.69% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89 | — | $89 | 0.10% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S. 400 E. STE. 300 SALT LAKE CITY, UT 84111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 21.40% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $555 | — | $555 | 0.99% |
| EMPLOYEE CHOICE SOLUTIONS3 | INS AGENCY INC 216 S 200 W CEDAR CITY, UT 84720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $544 | $544 | 0.97% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S. 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $5K | — | $5K | 11.82% |
| 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 | $6K | $22K | $27K | — |
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 | 306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 819 | $3.8M |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 316 | $0 |
| Vision | EYEMED | 697 | $46K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 449 | $106K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 449 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.