| 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. | $16K | $0 | $16K | 2.95% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 30.56% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | UNKNOWN PAYSON, UT 84651 | AMERITAS LIFE INSURANCE CORP | $501 | $0 | $501 | 6.93% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | UNKNOWN PAYSON, UT 84651 | AMERICAN UNITED LIFE INSURANCE COMPANY | $596 | $0 | $596 | 12.37% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | UNKNOWN PAYSON, UT 84651 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $59 | $59 | 1.22% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 178 | $535K |
| Vision | AMERITAS LIFE INSURANCE CORP | 72 | $7K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 203 | $5K |
| Prescription drug | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 178 | $535K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 203 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.