| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INUSRANCE COMPANY | $2K | $59K | $61K | 3.51% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INUSRANCE COMPANY | $858 | $31K | $32K | 1.81% |
| MORETON & COMPANY3 | 101 SOUTH 2ND EAST STE 300 SALT LAKE CITY, UT 84111 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 1.97% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| DIVERSIFIED INS BNFT SVCS3 | 136 EAST SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.38% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.62% |
| DIVERSIFIED INS BNFT SVCS3 | 136 EAST SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.94% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.06% |
| DIVERSIFIED INS BNFT SVCS3 | 136 EAST SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAK CIT, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.34% |
| DIVERSIFIED INS BNFT SVCS3 | 136 EAST SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.10% |
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 | 517 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INUSRANCE COMPANY | 609 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 278 | $159K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 517 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $39K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 518 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.
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.