| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINT DIETRICH3 | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | HSA HEALTH PLAN | $27K | $0 | $27K | 3.19% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | UNKNOWN SALT LAKE CITY, UT 84109 | ONE AMERICA | $5K | $0 | $5K | 12.42% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | UNKNOWN SALT LAKE CITY, UT 84006 | ACE AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $501 | $0 | $501 | 9.91% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HSA HEALTH PLAN | 215 | $854K |
| Dental | ACE AMERICAN INSURANCE COMPANY | 84 | $40K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 58 | $5K |
| Life insurance | ONE AMERICA | 125 | $43K |
| Short-term disability | ONE AMERICA | 125 | $43K |
| Long-term disability | ONE AMERICA | 125 | $43K |
| Prescription drug | HSA HEALTH PLAN | 215 | $854K |
| Other | ONE AMERICA | 125 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.