| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $3K | $49K | 10.60% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | $2K | $58K | 15.57% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $1K | $21K | 10.58% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $1K | $18K | 10.67% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $22K | — | $22K | 22.38% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $10K | — | $10K | 10.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $16 | — | $16 | 10.26% |
| GBS BENEFITS INC3 | 2200 S. MAIN ST. STE 600 SALT LAKE CITY, UT 84115 | DELTA DENTAL INSURANCE COMPANY | $10K | — | $10K | — |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST. STE. 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $10K | — | $10K | — |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST. STE. 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $4K | — | $4K | — |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST. STE. 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $380 | — | $380 | — |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST. STE. 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $46 | — | $46 | — |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST. STE. 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $483 | — | $483 | — |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST. STE. 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $5K | — | $5K | — |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN ST. STE 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $78 | — | $78 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $409K |
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 | 935 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | SELECTHEALTH | 1,315 | $0 |
| Dental(8 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,315 | $0 |
| Vision(2 contracts) | EYEMED VISION CARE | 1,523 | $98K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 962 | $545K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 80 | $98K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 883 | $203K |
| Stop-loss / reinsurancereinsurance(7 contracts) | SELECTHEALTH | 1,315 | $0 |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 962 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,523 | — |
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.