| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - LTD | $5K | $2K | $6K | 12.07% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - STD | $3K | $1K | $4K | 9.83% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - VOL LIFE | $4K | $2K | $6K | 14.58% |
| GBS BENEFITS INC Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | DENTIST DIRECT, LLC - VISION | $490 | — | $490 | 4.00% |
| EMPLOYEE CHOICE SOLUTIONS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY | $2K | — | $2K | 15.12% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - AD&D | $910 | $249 | $1K | 15.93% |
| GBS BENEFITS INC Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT | $899 | — | $899 | 12.98% |
| GBS BENEFITS INC Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CRITICAL ILLNESS | $633 | — | $633 | 10.97% |
| GBS BENEFITS INC Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - DISABILITY | $38 | — | $38 | 10.05% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTIST DIRECT LLC - DENTAL | 190 | $0 |
| Vision | DENTIST DIRECT, LLC - VISION | 192 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - VOL LIFE | 220 | $50K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT | 20 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - LTD | 119 | $53K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 189 | $220K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - STD | 220 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.