| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | 101 S 200 E STE 300 SALT LAKE CITY, UT 841112006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $0 | $22K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | $12K | $11K | 5.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841112006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$917 | $11K | $10K | 5.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841112006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$271 | $3K | $3K | 5.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841112006 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $878 | $0 | $878 | 9.20% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $477 | $477 | 5.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841112006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44 | $0 | $44 | 11.08% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $22 | $22 | 5.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF COLORADO EIN 83-4416613 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $111K |
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 | 2,282 | 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) | 2,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,741 | $220K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,741 | $196K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,282 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,282 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.