| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RON HUNT3 | 172 NORTH EAST PROMONTORY SUITE 265 FARMINGTON, UT 84025 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 4.68% |
| JON MORGAN3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 4.41% |
| TMG AGENCY LLC3 | 111 EAST BROADWAY, SUITE 1400 SALT LAKE CITY, UT 84111 | NORTHWESTERN MUTUAL | $3K | $497 | $3K | 1.66% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & CO | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN AND COUNTRY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 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 | 208 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | TOWN AND COUNTRY LIFE INSURANCE COMPANY | 158 | $121K |
| Vision | TOWN AND COUNTRY LIFE INSURANCE COMPANY | 158 | $121K |
| Life insurance | NORTHWESTERN MUTUAL | 220 | $196K |
| Short-term disability | NORTHWESTERN MUTUAL | 220 | $196K |
| Long-term disability | NORTHWESTERN MUTUAL | 220 | $196K |
| Other | NORTHWESTERN MUTUAL | 220 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.