| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | 101 SOUTH 200 E STE 300 SALT LAKE CITY, UT 84111 | DELTA DENTAL OF WISCONSIN | $13K | — | $13K | 1.99% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 4.16% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $2K | $39K | 16.05% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 13.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 16TH FLOOR 8144 WALNUT HILL DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $590 | $11K | 6.13% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.30% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $96 | $2K | 1.10% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $10K | — | $10K | 8.85% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $695 | $15K | 15.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPERT EMPLOYEE BENEFIT SOLUTIONS NONE | Direct payment from the plan; Other services; Claims processing; Contract Administrator Service code 12 | 7020 N. PORT WASHINGTON ROAD SUITE 206 GLENDALE, WI 53217 | $1.8M |
| BMO WEALTH MANAGEMENT NONE | Direct payment from the plan; Other services; Trustee (bank, trust company, or similar financial institution) Service code 21 | 111 W. MONROE STREET CHICAGO, IL 60603 | $16K |
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 | 1,703 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 1,223 | $670K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 1,624 | $118K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,011 | $530K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,011 | $290K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,011 | $383K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,139 | $802K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,624 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.