| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RON HUNT3 | 172 N EAST PROMONTORY FARMINGTON, UT 84025 | NORTHWESTERN MUTUAL | $5K | $2K | $7K | 5.17% |
| JON MORGAN3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 5.11% |
| TMG AGENCY LLC3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $2K | $372 | $2K | 1.89% |
| BENEFIT ADMINISTRATIVE SOLUTIONS3 | PO BOX 156 HYDE PARK, UT 84318 | TOWN AND COUNTRY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.50% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN AND COUNTRY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.00% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | TOWN AND COUNTRY LIFE INSURANCE COMPANY | 117 | $61K |
| Life insurance | NORTHWESTERN MUTUAL | 158 | $129K |
| Short-term disability | NORTHWESTERN MUTUAL | 158 | $129K |
| Long-term disability | NORTHWESTERN MUTUAL | 158 | $129K |
| Other | NORTHWESTERN MUTUAL | 158 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.