| 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 CO. | $53K | $0 | $53K | 5.21% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | AETNA LIFE INSURANCE CO. | $0 | $138 | $138 | 0.01% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | SELECTHEALTH | $253K | $0 | $253K | 26.83% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $81K | $3K | $84K | 15.58% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.27% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | THE LINCOLN LIFE INSURANCE COMPANY | $32K | $2K | $34K | 15.79% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $1K | $33K | 15.69% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE | $13K | $0 | $13K | 12.05% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | DELTA DENTAL INSURANCE COMPANY | $56K | $0 | $56K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $980K |
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 | 1,760 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 224 | $1.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,841 | $0 |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE | 1,805 | $105K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,760 | $749K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,292 | $231K |
| Stop-loss / reinsurancereinsurance | SELECTHEALTH | 3,926 | $942K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,760 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,926 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.