| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: ALEX GLOECKNER MORTON & COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | MOTIVHEALTH | $37K | $0 | $37K | 1.47% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $17K | 5.98% |
| IMA, INC.3 Filed as: IMA INC | 136 E STE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 2.35% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $2K | $10K | 6.35% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $2K | $9K | 6.01% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY DBA | 101 SOTH 200 EAST SUITE SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $737 | $3K | 12.45% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $455 | $2K | 7.39% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $310 | $0 | $310 | 1.26% |
| KAREN HARMER3 Filed as: KAREN LEE HARMER | PO BOX 829 SANDY, UT 84091 | AFLAC | $487 | $0 | $487 | 8.36% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY DBA | PO BOX 58139 SALT LAKE CITY, UT 84158 | AFLAC | $324 | $0 | $324 | 5.56% |
| SEAN VEST3 | 384 HEATHER RD OREM, UT 84057 | AFLAC | $154 | $0 | $154 | 2.64% |
| CLINT ERIC WEIGHT3 | 706 S 320 E SALEM, UT 84653 | AFLAC | $44 | $0 | $44 | 0.76% |
| JUDSON T LAW3 | 1477 E WEBB CV EAGLE MOUNTAIN, UT 84005 | AFLAC | $43 | $0 | $43 | 0.74% |
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 | 807 | 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) | 807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 323 | $153K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 476 | $44K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 455 | $280K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 455 | $280K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 455 | $280K |
| Prescription drug | MOTIVHEALTH | 807 | $2.5M |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH | 807 | $2.5M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 455 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.