| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC. | — | ANTHEM LIFE INSURANCE COMPANY | $0 | $27K | $27K | 0.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.45% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT999228 PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $42K | — | $42K | 31.37% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.87% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 12.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 9.66% |
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 | 1,214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 1,875 | $0 |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,465 | $421K |
| Vision | VISION SERVICE PLAN | 1,218 | $102K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,924 | $211K |
| Short-term disability | STANDARD INSURANCE COMPANY | 383 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,465 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.