| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $45K | $15K | $61K | 4.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST STE 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $17K | $6K | $23K | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.40% |
| GBS BENEFITS INC3 | 2200 S MAIN ST# 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.12% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 15.16% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | VISION SERVICE PLAN | $1K | — | $1K | 5.52% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $996 | $3K | 21.31% |
| GBS BENEFITS INC3 | 2200 S MAIN ST# 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $618 | $296 | $914 | 19.66% |
| GBS BENEFITS INC3 | 2200 S. MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | — |
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 | 230 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 393 | $2.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 183 | $0 |
| Vision | VISION SERVICE PLAN | 95 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $66K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 58 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $34K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.