| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $609 | $3K | 16.75% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $411 | $2K | 18.06% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED | $824 | — | $824 | 10.67% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $993 | $211 | $1K | 18.19% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $828 | $203 | $1K | 15.80% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $604 | $142 | $746 | 18.52% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 29.67% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | ASSURITY LIFE INSURANCE COMPANY | $699 | — | $699 | 24.92% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 66 | $69K |
| Vision | EYEMED | 126 | $8K |
| Life insurance(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $20K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.