| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $206K | $206K | 2.01% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 0.07% |
| GBS BENEFITS INC3 | 525 EAST 100 S #200 SALT LAKE CITY, UT 84102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $172K | $24K | $196K | 18.90% |
| GBS BENEFITS INC3 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $30K | — | $30K | 3.67% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 3.15% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 3.24% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $11K | — | $11K | 3.26% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $3K | — | $3K | 3.20% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 3.54% |
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 | 1,547 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,224 | $12.0M |
| Dental | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 2,682 | $804K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,830 | $1.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,830 | $1.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,830 | $1.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,830 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,682 | — |
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.