| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $11K | $2K | $13K | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORP. | $3K | $415 | $3K | 9.39% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS LIFE INSURANCE CORP. | $921 | — | $921 | 2.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $618 | $104 | $722 | 10.07% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | USABLE LIFE | $42 | — | $42 | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6340 SOUTH 3000 EAST STE 500 SALT LAKE CITY, UT 84121 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT, AND HEALTH INC | $220 | — | $220 | 100.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT, AND HEALTH INC | $69 | — | $69 | 31.36% |
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 | 91 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 178 | $878K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 129 | $37K |
| Life insurance | USABLE LIFE | 91 | $7K |
| Other | USABLE LIFE | 91 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.