| 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 | $16K | $5K | $21K | 5.42% |
| MORETON & COMPANY Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $2K | $31K | 16.25% |
| BENEFIT ADMINISTRATION SOLUTIONS | PO BOX 156 HYDE PARK, UT 84318 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $7K | — | $7K | 9.50% |
| MORETON & COMPANY Filed as: FRED A MORETON & COMPANY | 101 SOUTH 200 EAST STE 300 SALT LAKE CITY, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $863 | $7K | 9.43% |
| MORETON & COMPANY Filed as: MORETON & COMPANY, ALEX GLOECKNER | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $16K | — | $16K | 31.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 | Claims processing Service code 12 | PO BOX 30192 SALT LAKE CITY, UT 84130 | $612K |
| MERITAIN HEALTH EIN 16-1264154 | Claims processing Service code 12 | 4246 S RIVERBOAT RD 200 SALT LAKE CITY, UT 84123 | $173K |
| EDUCATORS MUTUAL PLANS LIFE EIN 20-4023720 | Claims processing Service code 12 | 5101 SOUTH COMMERCE DRIVE MURRAY, UT 84107 | $83K |
| 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 | 2,998 | 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) | 2,998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 312 | $173K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 2,301 | $51K |
| Vision | TOWN & COUNTRY LIFE INSURANCE COMPANY | 855 | $72K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,447 | $653K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,447 | $653K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,447 | $461K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 1,058 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,447 | — |
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.