| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | SELECTHEALTH | $44K | $15K | $59K | 2.52% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT SERVICES INC | 370 EAST SOUTH TEMPLE STE 200 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $3K | $581 | $4K | 5.17% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES INC | 370 E SOUTH TEMPLE #200 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $2K | $156 | $3K | 12.74% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 553 | $2.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 611 | $191K |
| Vision | VISION SERVICE PLAN | 184 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 297 | $76K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 297 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.