| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - VOL LIFE | $6K | $384 | $6K | 10.66% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - LTD | $5K | $458 | $5K | 9.41% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - STD | $3K | $377 | $3K | 7.22% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY | $2K | — | $2K | 14.88% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | DENTIST DIRECT, LLC - VISION | $530 | — | $530 | 4.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST SALT LAKE CITY, UT 84111 | DENTIST DIRECT LLC - DENTAL | — | — | $0 | 0.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - AD&D | $953 | $55 | $1K | 13.15% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CRITICAL ILLNESS | $744 | — | $744 | 10.85% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT | $589 | — | $589 | 10.29% |
| EMPLOYEE CHOICE SOLUTIONS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - DISABILITY | $4 | — | $4 | 10.00% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTIST DIRECT LLC - DENTAL | 198 | $11K |
| Vision | DENTIST DIRECT, LLC - VISION | 198 | $13K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - VOL LIFE | 222 | $66K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT | 17 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - LTD | 104 | $53K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 382 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY - STOP LOSS GROUP | 197 | $201K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - STD | 222 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.