| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KAREN BROWN - GBS BENEFITS | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | MOTIVHEALTH INSURANCE COMPANY | $34K | — | $34K | 3.91% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | $4K | — | $4K | 6.00% |
| GBS BENEFITS INC3 | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.47% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | TOTAL DENTAL ADMINISTRATORS OF UTAH | $251 | — | $251 | 5.99% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC. - SALT LAKE CITY | 2200 S MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | EYEMED VISION CARE | $282 | — | $282 | 34.10% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | 198 | $67K |
| Vision | EYEMED VISION CARE | 173 | $827 |
| Prescription drug | MOTIVHEALTH INSURANCE COMPANY | 236 | $866K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH INSURANCE COMPANY | 236 | $866K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.