| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | SELECTHEALTH | $13K | $763 | $14K | 4.80% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 12639 W EXPLORER DR BOISE, ID 83713 | PAN-AMERICAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.70% |
| HAMMMET INSURANCE SERVICES3 | 4615 PAVLOV AVE SAN DIEGO, CA 92122 | PAN-AMERICAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.03% |
| WILLIAM HAMMETT3 | 74401 HOVLEY LANE PALM DESERT, CA 92260 | PAN-AMERICAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.84% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | SELECTHEALTH | $6K | $411 | $7K | 4.26% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | DELTA DENTAL OF IDAHO | $3K | $0 | $3K | 4.58% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | AMERITAS | $2K | $99 | $2K | 10.41% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $773 | $0 | $773 | 15.00% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $309 | $0 | $309 | 9.98% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 12639 W EXPLORER DR STE 200 BOISE, ID 83713 | PAN-AMERICAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | — |
| HAMMETT INSURANCE SERVICES, INC3 Filed as: HAMMETT INSURANCE SERVICES, INC. | 4615 PAVLOV SAN DIEGO, CA 92122 | PAN-AMERICAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | — |
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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 52 | $443K |
| Dental | DELTA DENTAL OF IDAHO | 166 | $69K |
| Vision | AMERITAS | 152 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 472 | $3K |
| Stop-loss / reinsurancereinsurance(2 contracts) | PAN-AMERICAN LIFE INSURANCE COMPANY | 223 | $195K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 472 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.