| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFIT INSURANCE AGENCY | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $313K | $19K | $333K | 4.67% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $36K | — | $36K | 1.57% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | — | $19K | 4.95% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 6.77% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $26K | 17.05% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST STE 300 SALT LAKE CITY, UT 84111 | DELTA DENTAL PLAN OF VERMONT, INC | $4K | — | $4K | 3.39% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 21.31% |
| EMPLOYEE CHOICE SOLUTIONS3 | INS AGENCY INC 216 S 200 W CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.68% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $2K | — | $2K | 3.08% |
| GBS BENEFITS INC3 | DBA GBS BENEFITS INS AGENCY 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.22% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $1K | — | $1K | 5.83% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $796 | — | $796 | 7.06% |
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 | 1,023 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 1,178 | $9.4M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 502 | $609K |
| Vision(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 384 | $2.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,036 | $419K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,036 | $269K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,036 | $269K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 310 | $2.3M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,036 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,178 | — |
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.