| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES E HAWKINS3 | 4505 SOUTH WASATCH BOULEVARD SUITE 110 SALT LAKE CITY, UT 84124 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 3.79% |
| CALVIN GIBBS3 | 2930 S OAKWOOD DR BOUNTIFUL, UT 84010 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 3.79% |
| 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 | $24K | $5K | $29K | 23.85% |
| 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 | $5K | $3K | $7K | 10.22% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M, MC CULLUGH | 14715 NORTHEAST 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 21.73% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M, MC CULLUGH | 14715 NORTHEAST 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $614 | — | $614 | 21.81% |
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 | 1,293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WEST HEALTH ADVOCATE SOLUTIONS INC. | 1,237 | $18K |
| Vision | VISION SERVICE PLAN | 647 | $99K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,237 | $645K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $121K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,237 | $718K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,237 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,237 | — |
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.