| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.83% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.81% |
| BENERATION LLC3 | 2124 RACE ST GROUND FL PHILADELPHIA, PA 19103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.83% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.68% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | AMERITAS | $3K | — | $3K | 4.27% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS | $364 | — | $364 | 0.58% |
| MORETON & COMPANY3 Filed as: BRINT DIETRICH MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | MOTIVHEALTH | $21K | — | $21K | 52.51% |
| MORETON & COMPANY3 Filed as: FRED MORETON & COMPANY | 101 S 200 E SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.05% |
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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 130 | $63K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 630 | $110K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 630 | $92K |
| Prescription drug | MOTIVHEALTH | 19 | $41K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH | 19 | $41K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 630 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.