| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $37K | $4K | $41K | 3.07% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO. | PO BOX 58139 SALT LAKE, UT 84158 | DENTAL MANAGEMENT ADMINISTRATORS | $5K | $0 | $5K | 3.95% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | OPTICARE OF UTAH | $2K | $0 | $2K | 10.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.88% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $930 | $0 | $930 | 12.47% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 223 | $1.3M |
| Dental | DENTAL MANAGEMENT ADMINISTRATORS | 216 | $117K |
| Vision | OPTICARE OF UTAH | 208 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $15K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.