| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERKLEY LIFE & HEALTH INS CO | 475 STEAMBOAT ROAD GREENWICH, CT 06830 | BERKLEY LIFE & HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| MORETON & COMPANY Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 5.06% |
| DIVERSIFIED INSURANCE GROUP Filed as: DIVERSIFIED INS BENEFIT | 136 E SOUTH TEMPLE 2300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.81% |
| MORETON & COMPANY Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MORETON & COMPANY Filed as: FRED A MORETON & COMPANY | 101 SOUTH 200 EAST STE 300 SALT LAKE CITY, UT 84158 | OPTICARE OF UTAH | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 | Claims processing Service code 12 | PO BOX 30192 SALT LAKE CITY, UT 84130 | $556K |
| MERITAIN HEALTH EIN 16-1264154 | Claims processing Service code 12 | 4246 S RIVERBOAT RD 200 SALT LAKE CITY, UT 84123 | $131K |
| EDUCATORS MUTUAL PLANS LIFE EIN 20-4023720 | Claims processing Service code 12 | 852 E ARROWHEAD LANE MURRAY, UT 84104 | $74K |
| WELLS FARGO BANK EIN 94-1347393 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 299 SOUTH MAIN STREET SALT LAKE CITY, UT 84111 | $13K |
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 | 1,082 | 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) | 1,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | OPTICARE OF UTAH | 758 | $61K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,045 | $399K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,045 | $212K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,045 | $212K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 1,019 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.