| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $41K | $0 | $41K | 4.80% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | SELECTHEALTH | $105K | $0 | $105K | 12.91% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $0 | $48K | 15.00% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.45% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 15.00% |
| MORETON & COMPANY3 Filed as: MORETON& COMPANY | PO BOX 58139 SLC, UT 84158 | EYEMED | $3K | $0 | $3K | 4.91% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | DELTA DENTAL INSURANCE COMPANY | $41K | $0 | $41K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $996K |
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 | 1,352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 225 | $859K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,651 | $0 |
| Vision | EYEMED | 1,477 | $70K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,352 | $438K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 525 | $135K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,211 | $153K |
| Stop-loss / reinsurancereinsurance | SELECTHEALTH | 3,731 | $817K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,352 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,731 | — |
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.