| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE KUNDSON3 | 6330 S 3000 E SLC, UT 84121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.63% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM | 11755 E PEAKVIEW ENGLEWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.63% |
| STEVEN K. KNUDSON3 Filed as: STEVEN KNUDSON | 6330 S 3000 E SLC, UT 84121 | THE LINCOLN NATIONAL LIFE INSURANCE | $4K | $0 | $4K | 10.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | UNUM INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.47% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM | 11755 E PEAKVIEW AVE ENGLEWOOD, CO 80111 | UNUM INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.47% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM, LLC | 11755 E PEAKVIEW AVE ENGLEWOOD, CO 80111 | EYEMED | $1K | $0 | $1K | 4.12% |
| MORETON & COMPANY3 | 4600 S ULSTER STREET DENVER, UT 80237 | EYEMED | $1K | $0 | $1K | 4.12% |
| KNUDSON LLC3 Filed as: KNUDSON STEVEN | 6330 S 3000 E SLC, UT 84121 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.58% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 709 E SOUTH TEMPLE SLC, UT 84102 | HUMANA | $696 | $0 | $696 | 4.04% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM LLC | 11755 PEAKVIEW AVE ENGLEWOOD, CO 80111 | HUMANA | $696 | $0 | $696 | 4.04% |
| STEVEN K. KNUDSON3 Filed as: STEVEN K KNUDSON | 6330 S 3000 E STE 600 SLC, UT 84121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $855 | $0 | $855 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE BENEFITS CONSORTIUM, INC. EIN 26-3445510 BROKER | Other commissions Service code 55 | 11755 E PEAK VIEW AVE STE 250 ENGLEWOOD, CO 80111 | $42K |
| FRED A MORETON & COMPANY EIN 87-0218394 BROKER | Other commissions Service code 55 | 101 S 200 E SLC, UT 84111 | $42K |
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 | 514 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 450 | $17K |
| Vision | EYEMED | 510 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $55K |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 151 | $71K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORP | 421 | $173K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.