| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $15K | $35K | 9.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $2K | $20K | 5.24% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $12K | $38K | 11.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $1K | $26K | 7.65% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $7K | $16K | 8.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $734 | $9K | 5.27% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $6K | $13K | 9.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $567 | $7K | 5.23% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 6.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $3K | $15K | 14.54% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 8.62% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 7.35% |
| D'ANN DABELL3 Filed as: D ANN DABELL | 1174 N 2000 E LAYTON, UT 840402337 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 6.56% |
| JUDY E. BAIRD3 Filed as: JUDY E BAIRD | PO BOX 938 KAMAS, UT 840360938 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $87 | — | $87 | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 554850502 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $50 | — | $50 | 0.26% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE PRINCETON, NJ 085409418 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $21 | — | $21 | 0.11% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S. 400 E. STE 300 SALT LAKE CITY, UT 84111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11 | — | $11 | 3.36% |
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 | 791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,784 | $105K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 796 | $473K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 837 | $382K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 796 | $176K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 796 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,784 | — |
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.