| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | HSA HEALTH INSURANCE COMPANY | $27K | $0 | $27K | 4.55% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.36% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S THIRD STREET STE 800 COLUMBUS, OH 43215 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $400 | $0 | $400 | 0.42% |
| KENT BINNING3 | 756 E WINCHESTER BLVD MURRAY, UT 84107 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | $0 | $21 | 0.02% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.58% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HSA HEALTH INSURANCE COMPANY | 78 | $600K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $95K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $95K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $20K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.