| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $36K | $0 | $36K | 4.50% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 19.98% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | UNKNOWN SALT LAKE CITY, UT 84111 | AMERICAN UNITED LIFE INSURANCE COMPANY | $732 | $0 | $732 | 12.34% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | UNKNOWN HAUPPAUGE, NY 11788 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $297 | $297 | 5.01% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | UNKNOWN PAYSON, UT 84651 | AMERITAS LIFE INSURANCE CORP | $390 | $0 | $390 | 7.00% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 216 | $791K |
| Dental | AMERITAS LIFE INSURANCE CORP | 144 | $6K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 130 | $18K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $6K |
| Prescription drug | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 216 | $791K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 137 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.