| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84158 | AMERICAN UNITED LIFE INSURANCE COMAPNY | $10K | $0 | $10K | 12.33% |
| CUSTON INSURANCE SPECIALISTS INC.3 | 886 EAST 3200 NORTH KAMAS, UT 84036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $188 | $2K | 6.90% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.54% |
| DESIREE ROBERTSON3 | 5691 SOUTH STONE BLUFF WAY TAYLORVILLE, UT 84118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 3.80% |
| THE BUCKNER COMPANY3 Filed as: THE BUCKNER COMPANY INC. | 6550 MILLROCK DRIVE SALT LAKE CITY, UT 84121 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $965 | $0 | $965 | 3.22% |
| JILL HUGHES3 | 6510 TAMARA DRIVE SALT LAKE CITY, UT 84129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $2 | $229 | 0.76% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84158 | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC | 58 | $3K |
| Vision | HM LIFE INSURANCE COMPANY | 110 | $13K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMAPNY | 175 | $79K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $30K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMAPNY | 175 | $79K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMAPNY | 175 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
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.