| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $48K | $2K | $51K | 3.14% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | REGENCE BLUECROSS BLUESHIELD OF UTAH | — | $812 | $812 | 0.05% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | SIMNSA | $8K | — | $8K | 7.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | LIFEMAP ASSURANCE COMPANY | $8K | — | $8K | 7.37% |
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 | 618 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 387 | $1.8M |
| Dental(3 contracts, 3 carriers) | SIMNSA | 207 | $252K |
| Vision | UNIVERSITY HEALTH ALLIANCE | 122 | $40K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 618 | $102K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 122 | $40K |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 618 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.