| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | PO BOX 58139 SALT LAKE, UT 84158 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $49 | $49 | 0.10% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | -$602 | $10K | $10K | 36.90% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | HEALTHIEST YOU | $3K | $0 | $3K | 20.00% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST STE 300 SLC, UT 84111 | SELECT BENEFITS GROUP, INC., DBA DENTAL SELECT | $5K | $0 | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995876 CLAIMS PROCESSING | Claims processing Service code 12 | — | $101K |
| FRED A MORETON & COMPANY EIN 87-0218394 BROKER | Other commissions Service code 55 | 101 SOUTH 200 EAST STE 300 SALT LAKE CITY, UT 84111 | $28K |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 394 | $40K |
| Dental | SELECT BENEFITS GROUP, INC., DBA DENTAL SELECT | 137 | $0 |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 229 | $51K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 229 | $51K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 229 | $51K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 229 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.