| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 18.92% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 10.28% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | ALLSTATE | $12K | $0 | $12K | 20.49% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | VISION SERVICE PLAN | $5K | $0 | $5K | 11.92% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $8K | 18.31% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.53% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $9K | $0 | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF UTA EIN 87-0200138 CLAIMS & SERVICE | Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $268K |
| REGENCE BLUE CROSS AND BLUE SHIELD | Other commissions Service code 55 | — | $111K |
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 | 697 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 100 | $58K |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 524 | $0 |
| Vision | VISION SERVICE PLAN | 446 | $44K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 697 | $136K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 695 | $83K |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 503 | $691K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 697 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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.