| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | GUARDIAN | $13K | $664 | $13K | 7.88% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | GUARDIAN | $3K | — | $3K | 1.71% |
| WEALTH BEYOND MONEY OF UTAH3 | 756 EAST WINCHESTER BOULEVARD SUITE 304 MURRAY, UT 84107 | GUARDIAN | $390 | — | $390 | 0.23% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 90 | $0 |
| Dental | GUARDIAN | 123 | $170K |
| Vision | GUARDIAN | 123 | $170K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE | 123 | $451K |
| Short-term disability | GUARDIAN | 123 | $170K |
| Long-term disability | GUARDIAN | 123 | $170K |
| Prescription drug | MERITAIN HEALTH | 90 | $0 |
| Other | GUARDIAN | 123 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.