| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN STREET STE 600 S SALT LAKE, UT 84115 | SELECTHEALTH | $12K | $5K | $17K | 0.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT INC | 3900 N TRVR MTN BLVD STE 301 LEHI, UT 84043 | AMERITAS LIFE INSURANCE CORP | $7K | $885 | $8K | 8.44% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 S SALT LAKE UT, UT 84115 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 2.48% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN STREET STE 600 S SALT LAKE, UT 84115 | SELECTHEALTH | $571 | $220 | $791 | 1.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES (UT) | 3900 N TRAVERSE MOUNTAIN BLVD STE 301 LEHI, UT 84043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $445 | $6K | 22.68% |
| GBS BENEFITS INC3 | 525 E 100 S #200 SALT LAKE CITY, UT 84102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $776 | — | $776 | 2.97% |
| RYAN H BECK3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC | 3900 N. TRAVERSE MOUNTAIN BLVD STE 301 LEHI, UT 84043 | EYEMED VISION CARE | $555 | — | $555 | 9.15% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC. - SALT LAKE CITY | 465 S. 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $94 | — | $94 | 1.55% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 483 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORP | 180 | $96K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 180 | $102K |
| Other(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP | 180 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.