| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, IL 84158 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $85K | $0 | $85K | 14.67% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $139 | $139 | 0.02% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $23 | $23 | 0.00% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84158 | OPTICARE VISION SERVICES | $3K | $0 | $3K | 10.00% |
| KAREN HARMER3 Filed as: KAREN L. HARMER | PO BOX 829 SANDY, UT 84091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 24.28% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84158 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 16.86% |
| MJ INSURANCE3 Filed as: CLINT WEIGHT AND VARIOUS AGENTS | 745 SOUTH 180 WEST SALEM, UT 84653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $962 | $0 | $962 | 3.73% |
| KERRY C. GRAY3 | PO BOX 1236 WEST JORDON, UT 84084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $589 | $0 | $589 | 2.29% |
| MIKE C LUNDQUIST3 Filed as: MIKE C. LUNDQUIST | 8889 SOUTH SILVERSTONE WAY SANDY, UT 84093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | $0 | $236 | 0.92% |
| NEENA W BEVERLY3 Filed as: NEENA W. BEVERLY | 1888 EAST 6400 SOUTH HOLLADAY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $227 | $0 | $227 | 0.88% |
| JUDSON T LAW3 Filed as: JUDSON T. LAW | 7654 WILLOW WALK LANE EAGLE MOUNTAIN, UT 84005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.25% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS LLC | 2581 EAST GOLDEN EYE DRIVE SANDY, UT 84093 | ARAG INSURANCE COMPANY | $970 | $0 | $970 | 6.00% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | ARAG INSURANCE COMPANY | $647 | $0 | $647 | 4.00% |
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 | 789 | 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) | 789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | OPTICARE VISION SERVICES | 222 | $27K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 789 | $582K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 789 | $582K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 833 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.