| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $45K | $11K | $56K | 3.91% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | — | SELECTHEALTH | $10K | $2K | $13K | 3.94% |
| GBS BENEFITS INS AGENCY3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.15% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & CO LLC | 1350 AVENUE OF THE AMERICAS FL 18 NEW YORK, NY 10019 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.37% |
| GIS BENEFITS INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $414 | $82 | $496 | 0.21% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.18% |
| RSC INSURANCE BROKERAGE INC3 | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | HARTFORD LIFE AND ACCIDENT | $486 | — | $486 | 4.98% |
| WEBTPA EMPLOYER SERVICES LLC2 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $399 | $399 | 4.09% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 536 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 809 | $239K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 809 | $239K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 809 | $249K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 809 | $239K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 809 | $239K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 809 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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.