| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFF KLUGE3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE CITY, UT 84115 | ANGLE INSURANCE COMPANY OF UTAH | — | $40K | $40K | 4.95% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE CITY, UT 84115 | ANGLE INSURANCE COMPANY OF UTAH | — | $18K | $18K | 2.23% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERIRAS LIFE INSURANCE | $5K | — | $5K | 10.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST #600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $857 | $4K | 18.71% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $8K | $8K | 39.68% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE CITY, UT 84115 | PAN-AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 28.64% |
| WILLIAM HAMMETT3 Filed as: WILLIAM C HAMMETT III | 1716 ALPINE MEADOWS LN #1107 PRESCOTT, AZ 86303 | PAN-AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.45% |
| RXEDO0 | PO BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.02% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $348 | $91 | $439 | 18.30% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANGLE INSURANCE COMPANY OF UTAH | 131 | $816K |
| Dental | AMERIRAS LIFE INSURANCE | 550 | $51K |
| Vision | AMERIRAS LIFE INSURANCE | 550 | $51K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $46K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 66 | $21K |
| Other(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 373 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.