| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 4.54% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $3K | $39K | 16.25% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.36% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $256 | $6K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 16TH FLOOR 8144 WALNUT HILL DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.91% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $133 | — | $133 | 0.08% |
| 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 | $14K | — | $14K | 10.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 16.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPERT EMPLOYEE BENEFIT SOLUTIONS NONE | Claims processing; Direct payment from the plan; Contract Administrator; Other services Service code 12 | 7020 N. PORT WASHINGTON ROAD SUITE 206 GLENDALE, WI 53217 | $2.0M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 NONE | Contract Administrator Service code 13 | — | $55K |
| 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 | $24K |
| NATIONAL COOPERATIVERX EIN 04-3775178 NONE | Recordkeeping fees; Other insurance fees and expenses; Claims processing Service code 12 | — | $20K |
| TOTAL ADMINISTRATIVE SERVICE CORP EIN 39-1561025 NONE | Contract Administrator Service code 13 | — | $10K |
| MORETON & COMPANY NONE | Insurance agents and brokers Service code 22 | 101 SOUTH 200 E SUITE 300 SALT LAKE CITY, UT 841110000 | $8K |
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 | 1,514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2,157 | $97K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 2,157 | $97K |
| Vision(2 contracts, 2 carriers) | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 2,157 | $238K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,888 | $548K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,888 | $310K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,888 | $427K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,157 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,157 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.