| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$48 | -$48 | -0.00% |
| GBS BENEFITS INC3 | 525 EAST 100 S #200 SALT LAKE CITY, UT 84102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $244K | $73K | $317K | 19.84% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC. / LAURA PEIFER | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $45K | — | $45K | 4.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 1.09% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN ST STE 600 SOUT SALT LAKE, UT 84115 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | — | $12K | 1.13% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | — | $7K | 0.97% |
| 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 | 1.24% |
| 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 | $737 | — | $737 | 1.06% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $256 | — | $256 | 0.98% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | — | — | $0 | — |
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 | 2,563 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,651 | $13.6M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 3,483 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,563 | $1.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,563 | $1.6M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,563 | $1.6M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,563 | $1.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,563 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,483 | — |
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."
No prospect flags tripped on this filing.