| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 14.34% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $474 | $2K | 11.09% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $725 | $3K | 19.99% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $292 | $1K | 18.81% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $943 | $444 | $1K | 18.31% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $755 | $165 | $920 | 12.19% |
| GBS BENEFITS INC3 | 465 S 400 E #300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $535 | $172 | $707 | 19.83% |
| CATHERINE P. BURNS4 Filed as: CATHERINE P. BURNES | 1610 BORA BORA DR. WEST JORDAN, UT 84084 | PRE-PAID LEGAL SERVICES, INC. DBA LEAGALSHIELD | $898 | — | $898 | 35.28% |
| SUZANNE EBENYE4 | 8297 S SADDLE OAKS CT WEST JORDAN, UT 84081 | PRE-PAID LEGAL SERVICES, INC. DBA LEAGALSHIELD | $99 | — | $99 | 3.89% |
| MICKEAL RYAN4 | 13602 S VESTRY RD DRAPER, UT 84020 | PRE-PAID LEGAL SERVICES, INC. DBA LEAGALSHIELD | $25 | — | $25 | 0.98% |
| LAVERNE R. BURNS4 | 1610 BORA BORA DR. WEST JORDAN, UT 84084 | PRE-PAID LEGAL SERVICES, INC. DBA LEAGALSHIELD | $8 | — | $8 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $71K |
| GBS BENEFITS INC EIN 87-0680571 BROKER | Other commissions Service code 55 | — | $0 |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $15K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $210K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.