| 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 | $53K | $20K | $73K | 3.59% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 8.00% |
| GBS BENEFITS INC3 | 525 E 100 S #200 SALT LAKE CITY, UT 84102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $173 | $8K | 20.52% |
| 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 | $208 | $284 | $492 | 1.22% |
| RYAN H BECK3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 0.30% |
| 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 | $622 | — | $622 | 10.06% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | NEW BENEFITS | $348 | $3K | $3K | — |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 528 | $2.0M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 105 | $96K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 147 | $6K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $40K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.