| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC FALK3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | MOTIVHEALTH INSURANCE COMPANY | $36K | — | $36K | 1.79% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS & INS. | 2353 EAST BEAR HILLS CIRCLE DRAPER, UT 84020 | MOTIVHEALTH INSURANCE COMPANY | $24K | — | $24K | 1.19% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & CO | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $4K | — | $4K | 2.40% |
| ABSI3 | 2353 EAST BEAR HILLS CIRCLE DRAPER, UT 84020 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.60% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | — | $14K | 12.57% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MOTIVHEALTH INSURANCE COMPANY | 639 | $2.0M |
| Dental | TOWN & COUNTRY LIFE INSURANCE COMPANY | 189 | $186K |
| Vision | TOWN & COUNTRY LIFE INSURANCE COMPANY | 189 | $186K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 273 | $113K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 273 | $113K |
| Prescription drug | MOTIVHEALTH INSURANCE COMPANY | 639 | $2.0M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 273 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.