| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $29K | $10K | $38K | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $3K | $1K | $4K | 3.93% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 7.50% |
| GBS BENEFITS INC3 | 465 S. 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $2K | $643 | $3K | 4.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | RELIASTART LIFE INSURANCE COMPANY | $26K | — | $26K | 52.24% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $1K | $458 | $2K | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $1K | $390 | $2K | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $1K | $338 | $1K | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $929 | $310 | $1K | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $908 | $303 | $1K | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $883 | $294 | $1K | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $789 | $263 | $1K | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $722 | $241 | $963 | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | SELECTHEALTH | $698 | $233 | $931 | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $697 | $232 | $929 | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $570 | $190 | $760 | 4.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $538 | $179 | $717 | 4.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $496 | $168 | $664 | 4.01% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $310 | $103 | $413 | 3.99% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $275 | $92 | $367 | 4.01% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $147 | $49 | $196 | 4.01% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SELECTHEALTH | $926 | $309 | $1K | 26.42% |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(21 contracts) | SELECTHEALTH | 344 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 389 | $101K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 389 | $101K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $93K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $144K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $93K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.