| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | SELECTHEALTH | $62K | $21K | $82K | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $31K | $10K | $42K | 1.24% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY INS. | PO BOX 58139 SALT LAKE CITY, UT 84158 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.15% |
| MORETON & COMPANY3 | 709 EAST SOUTH TEMPLE SALT LAKE CITY, UT 84102 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $9K | $9K | 11.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6330 SOUTH 3000 EAST, SUITE 670 SUITE 200 SALT LAKE CITY, UT 84121 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.97% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 672 | $3.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 838 | $390K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 838 | $390K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 838 | $390K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 838 | $390K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 838 | $390K |
| Prescription drug | SELECTHEALTH | 672 | $3.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 838 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.