| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTION, INC. | 11755 E PEAKVIEW AVE 250 ENGLEWOOD, CO 80111 | HEALTH CLAIMS STOPLOSS COVERAGE | $49K | $0 | $49K | 16.39% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE, UT 84111 | HEALTH CLAIMS STOPLOSS COVERAGE | $49K | $0 | $49K | 16.39% |
| MORETON & COMPANY3 Filed as: FRED A MORETON | 101 S 200 E STE 300 SLC, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $942 | $11K | 10.96% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $514 | $6K | 10.99% |
| MORETON & COMPANY3 Filed as: FRED A MORETON | 101 S 200 E STE 300 SALT LAKE, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $998 | $100 | $1K | 10.99% |
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 | 410 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BENEFIT ADMINISTRATIVE SOLUTIONS, INC. | 409 | $0 |
| Vision | BENEFIT ADMINISTRATIVE SOLUTIONS, INC. | 409 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 410 | $98K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $52K |
| Stop-loss / reinsurancereinsurance | HEALTH CLAIMS STOPLOSS COVERAGE | 777 | $301K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 410 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.