| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | SELECTHEALTH | $114K | $38K | $152K | 3.10% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $8K | $1K | $10K | 5.66% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | STANDARD INSURANCE COMPANY | $424 | $0 | $424 | 0.25% |
| UNKNOWN3 | UNKNOWN OGDEN, UT 84401 | BLOMQUIST HALE CONSULTING, INC. | $82 | $0 | $82 | 0.38% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS, LLC | 2581 EAST GOLDEN EYE DRIVE SANDY, UT 84093 | ARAG INSURANCE COMPANY | $499 | $0 | $499 | 5.50% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | ARAG INSURANCE COMPANY | $333 | $0 | $333 | 3.67% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE WICHITA, KS 67202 | ARAG INSURANCE COMPANY | $76 | $0 | $76 | 0.84% |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 721 | $4.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 834 | $273K |
| Vision | VISION SERVICE PLAN | 267 | $39K |
| Life insurance | STANDARD INSURANCE COMPANY | 368 | $169K |
| Long-term disability | STANDARD INSURANCE COMPANY | 368 | $169K |
| Prescription drug | SELECTHEALTH | 721 | $4.9M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 368 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 834 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.