| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.39% |
| INSGROUP INC3 Filed as: MILLER INSURANCE GROUP ADI | 770 SOUTH WEST TEMPLE SALT LAKE CITY, UT 84101 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.01% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES 316 | 257 EAST 200 SOUTH #750 SALT LAKE CITY, UT 84111 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.01% |
| INSGROUP INC3 Filed as: MILLER INSURANCE GROUP ADI | 770 SOUTH WEST TEMPLE SALT LAKE CITY, UT 84101 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $870 | $0 | $870 | 7.01% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES 316 | 257 EAST 200 SOUTH #750 SALT LAKE CITY, UT 84111 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $373 | $0 | $373 | 3.00% |
| INSGROUP INC3 Filed as: MILLER INSURANCE GROUP ADI | 770 SOUTH WEST TEMPLE SALT LAKE CITY, UT 84101 | OPTICARE VISION SERVICES | $1K | $0 | $1K | 9.93% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES 316 | 257 EAST 200 SOUTH #750 SALT LAKE CITY, UT 84111 | OPTICARE VISION SERVICES | $321 | $0 | $321 | 2.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIVERSITY OF UTAH HEALTH INSURANCE EIN 47-2293857 THIRD-PARTY CLAIMS | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $23K |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | TOWN & COUNTRY LIFE INSURANCE COMPANY | 98 | $50K |
| Vision | OPTICARE VISION SERVICES | 135 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $63K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.