| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 13.36% |
| KENZ INNOVATION HCM INC5 Filed as: KENZ INNOVATION HCM, INC. | 5857 OWENS AVENUE, SUITE 300 CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.92% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | SUPERIOR VISION PLAN | $4K | $0 | $4K | 12.42% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 19.96% |
| BRIAN E. JUND3 | UNKNOWN KAYSVILLE, UT 84037 | COMBINED INSURANCE COMPANY OF AMERICA | $532 | $0 | $532 | 1.91% |
| FRANK P DOHERTY3 Filed as: FRANK P. DOHERTY | UNKNOWN KAYSVILLE, UT 84037 | COMBINED INSURANCE COMPANY OF AMERICA | $532 | $0 | $532 | 1.91% |
| UNKNOWN3 | UNKNOWN KAYSVILLE, UT 84037 | FLEXCARE DIGITAL HEALTH | $588 | $0 | $588 | 5.45% |
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 | 650 | 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) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION PLAN | 257 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 650 | $174K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 650 | $174K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 650 | $174K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 650 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.