| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALF LAKE CITY, UT 84158 | SELECTHEALTH | $36K | $9K | $45K | 5.01% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 709 EAST SOUTH TEMPLE SALF LAKE CITY, UT 84158 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 14.20% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $36 | $36 | 0.05% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 SOUTH 200 EAST SUITE 300 SALF LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP. | $5K | $0 | $5K | 12.12% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 180 | $898K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 224 | $40K |
| Vision | SELECTHEALTH | 180 | $898K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 181 | $72K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 181 | $72K |
| Prescription drug | SELECTHEALTH | 180 | $898K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 181 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.