| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHEZ3 | 7201 W. 78TH STREET SUITE 100 BLOOMINGTON, MN 55439 | NATIONWIDE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HEALTHEZ3 | 7201 W 78TH STREET SUITE 100 BLOOMINGTON, MN 55439 | NATIONWIDE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | DELTA DENTAL INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.83% |
| GBS BENEFITS INC3 | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $947 | $3K | 22.50% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 11.50% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $739 | — | $739 | 9.89% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $655 | $320 | $975 | 22.34% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $950 | — | $950 | 28.91% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 43.84% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 66 | $264K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 200 | $68K |
| Vision | EYEMED | 118 | $7K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $19K |
| Other(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 66 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.