| 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 | $9K | $25K | 15.55% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $815 | $10K | 10.87% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 20.28% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 19.89% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 200 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.57% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | ACE USA GROUP | $3K | $0 | $3K | 7.00% |
| 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 |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $380K |
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 | 657 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SELECT BENEFITS GROUP INC. DBA DENTAL SELECT | 617 | $0 |
| Vision | ACE USA GROUP | 355 | $47K |
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 657 | $294K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $53K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS | 2,192 | $356K |
| Other(5 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS | 657 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,192 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.