| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC FALK3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | HSA HEALTH INSURANCE COMPANY | $26K | $0 | $26K | 1.49% |
| BENEFIT ADMINISTRATIVE SOLUTIONS3 | PO BOX 156 HYDE PARK, UT 84318 | TOWN AND COUNTRY LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.50% |
| ABSI3 | 2353 EAST BEAR HILLS CIRCLE DRAPER, UT 84020 | TOWN AND COUNTRY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.23% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN AND COUNTRY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.77% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | ONE AMERICA | $10K | $0 | $10K | 12.62% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HSA HEALTH INSURANCE COMPANY | 521 | $1.8M |
| Dental | TOWN AND COUNTRY LIFE INSURANCE COMPANY | 136 | $138K |
| Vision | TOWN AND COUNTRY LIFE INSURANCE COMPANY | 136 | $138K |
| Life insurance | ONE AMERICA | 218 | $83K |
| Long-term disability | ONE AMERICA | 218 | $83K |
| Prescription drug | HSA HEALTH INSURANCE COMPANY | 521 | $1.8M |
| Other | ONE AMERICA | 218 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.