| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAGELLAN INC3 Filed as: MAGELLAN, INC. | 199 NORTH 290 WEST, SUITE 200 LINDON, UT 84042 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $3K | $0 | $3K | 6.01% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $1K | $0 | $1K | 2.43% |
| MAGELLAN INC3 | 199 NORTH 290 WEST, SUITE 200 LINDON, UT 840425005 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $18 | $4K | 10.02% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 841112006 | METROPOLITAN LIFE INSURANCE COMPANY | $821 | $555 | $1K | 3.39% |
| MAGELLAN INC3 Filed as: MAGELLAN CIN | 199 NORTH 290 WEST, SUITE 200 LINDON, UT 840425005 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 13.42% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 841113107 | HUMANA INSURANCE COMPANY | $406 | $0 | $406 | 2.31% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 128 | $45K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 128 | $45K |
| Life insurance | HUMANA INSURANCE COMPANY | 76 | $18K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $41K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $41K |
| Other | HUMANA INSURANCE COMPANY | 76 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.