| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | SELECTHEALTH | $33K | $11K | $44K | 3.55% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.02% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.27% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $2K | $0 | $2K | 6.94% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $836 | $4K | 13.10% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $229 | $978 | $1K | 5.25% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $467 | $2K | 13.06% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84158 | OPTICARE OF UTAH | $826 | $0 | $826 | 9.99% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 302 | $1.2M |
| Dental(2 contracts, 2 carriers) | TOWN & COUNTRY LIFE INSURANCE COMPANY | 193 | $82K |
| Vision | OPTICARE OF UTAH | 50 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $15K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.