| 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 | $2K | $8K | 13.07% |
| 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 | $2K | $6K | 10.97% |
| 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 | $1K | $4K | 9.03% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | DENTIST DIRECT, LLC - VISION | $485 | — | $485 | 4.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET #600 SOUTH SALT LAKE, UT 84115 | 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 | $868 | $249 | $1K | 16.22% |
| CURALINC HEALTHCARE3 | 314 WEST SUPERIOR STREET, SUITE 601 CHICAGO, IL 60654 | CURALINC, LLC, D.B.A. CURALINC HEALTHCARE | — | $900 | $900 | 14.49% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY | $905 | — | $905 | 16.15% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CRITICAL ILLNESS | $505 | — | $505 | 10.03% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT | $386 | — | $386 | 10.01% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - DISABILITY | $13 | — | $13 | 9.85% |
| NAVITUS3 | 9185 E PIMA CENTER PKWY SUITE 200 SCOTTSDALE, AZ 85258 | NAVITUS HEALTH SOLUTIONS | — | $23K | $23K | — |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTIST DIRECT LLC - DENTAL | 173 | $10K |
| Vision | DENTIST DIRECT, LLC - VISION | 173 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - VOL LIFE | 204 | $69K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT | 12 | $4K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - LTD | 105 | $58K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 0 | $0 |
| Stop-loss / reinsurancereinsurance | GERBER LIFE - UMR | 172 | $189K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - STD | 258 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.