| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 75 WEST TOWNE RIDGE PARKWAY TOWER 2, SUITE 400 SANDY, UT 84070 | REGENCE BLUE CROSS BLUE SHIELD OF UTAH | $50K | $4K | $54K | 4.94% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | REGENCE BLUE CROSS BLUE SHIELD OF UTAH | $5K | $250 | $5K | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC. | $3K | $0 | $3K | 4.55% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC. | $289 | $0 | $289 | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 75 WEST TOWNE RIDGE PARKWAY TOWER 2, SUITE 400 SANDY, UT 84070 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $807 | $7K | 15.42% |
| PLANSIGHT, INC.5 | 7659 SOUTH MAIN STREET MIDVALE, UT 84047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $682 | $682 | 1.50% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $619 | $0 | $619 | 1.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $439 | $0 | $439 | 49.77% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | VISION SERVICE PLAN | $44 | $0 | $44 | 4.99% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE CROSS BLUE SHIELD OF UTAH | 207 | $1.1M |
| Dental | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC. | 206 | $64K |
| Vision | VISION SERVICE PLAN | 119 | $882 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $45K |
| Prescription drug | REGENCE BLUE CROSS BLUE SHIELD OF UTAH | 207 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,202 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,202 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.