| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLDENWEST INSURANCE SERVICES3 | 5025 S. ADAM AVE OGDEN, UT 84403 | SELECTHEALTH | $38K | $19K | $58K | 2.88% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $46 | $46 | 0.12% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 26.76% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | $0 | $111 | 1.11% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $645 | $1 | $646 | 27.45% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $820 | $0 | $820 | 55.41% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.20% |
| GOLDENWEST INSURANCE SERVICES3 | 315 N MARKETPLACE DR CENTERVILLE, UT 84014 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | $0 | $264 | 23.00% |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 486 | $2.0M |
| Vision | VISION SERVICE PLAN | 0 | $0 |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 546 | $40K |
| Other(5 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 546 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.