| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | SELECT HEALTH | $105K | $35K | $140K | 4.00% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 4.45% |
| ADVISORNET FINANCIAL, INC.3 | 110 CHESIRE LANE, SUITE 200 MINNETONKA, MN 55305 | STANDARD INSURANCE COMPANY | $539 | $0 | $539 | 0.34% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 859 | $3.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 839 | $259K |
| Vision | VISION SERVICE PLAN | 259 | $36K |
| Life insurance | STANDARD INSURANCE COMPANY | 355 | $158K |
| Long-term disability | STANDARD INSURANCE COMPANY | 355 | $158K |
| Prescription drug | SELECT HEALTH | 859 | $3.5M |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 380 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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.