| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | P O BOX 58139 SALT LAKE CITY, UT 84111 | SELECT HEALTH | $27K | $9K | $37K | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E, STE 670 SALT LAKE CITY, UT 84121 | SELECT HEALTH | $10K | $3K | $13K | 0.67% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | 101 S 200 E, STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 7.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENETFIT SERVICES | 6330 S 3000 E, STE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.34% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | 101 S 200 E, STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $698 | $4K | 9.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E, STE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $987 | — | $987 | 2.63% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO. | 101 S 200 E SUITE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $580 | $197 | $777 | 7.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $422 | — | $422 | 4.21% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $436 | $151 | $587 | 7.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6330 S 3000 E, STE 670 SALT LAKE CITY, UT 84121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | — | $320 | 4.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 SOUTH 3000 EAST, STE 670 SALT LAKE CITY, UT 84121 | OPTICARE OF UTAH | $622 | — | $622 | 100.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E, STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20 | $20 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E, STE 500 SALT LAKE CITY, UT 84121 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC. | — | — | $0 | — |
| MORETON & COMPANY3 | 101 S 200 E, STE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC. | — | — | $0 | — |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 352 | $2.0M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC. | 428 | $0 |
| Vision | OPTICARE OF UTAH | 44 | $622 |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $75K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.