| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 12.96% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.22% |
| BRIAN EDWARD JUND3 Filed as: BRIAN JUND | UNKNOWN GUNNISON, UT 84634 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 15.09% |
| MORETON & COMPANY3 | UNKNOWN GUNNISON, UT 84634 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 15.09% |
| UNKNOWN3 | UNKNOWN GUNNISON, UT 84634 | FLEXCARE DIGITAL HEALTH | $632 | $0 | $632 | 14.78% |
| MORETON & COMPANY3 | UNKNOWN GUNNISON, UT 84634 | COMBINED INSURANCE COMPANY OF AMERICA | $707 | $0 | $707 | 20.01% |
| BRIAN E. JUND3 | UNKNOWN GUNNISON, UT 84634 | COMBINED INSURANCE COMPANY OF AMERICA | $145 | $0 | $145 | 4.10% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 115 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $109K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.