| 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 | $225K | $12K | $237K | 3.27% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC. | PO BOX 820 BRATTLEBORO, VT 05302 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $45K | $2K | $47K | 2.17% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $4K | — | $4K | 0.19% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 4.87% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 15.08% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | VISION SERVICE PLAN | $5K | — | $5K | 5.53% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $453 | — | $453 | 0.52% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 SOUTH 400 EAST STE 300 SALT LAKE CITY, UT 84111 | DELTA DENTAL INSURANCE COMPANY | $54K | — | $54K | — |
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 | 959 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 704 | $9.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 881 | $0 |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 648 | $2.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,078 | $523K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,078 | $372K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,078 | $372K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 315 | $2.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,078 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,078 | — |
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.