| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | UNITED HEALTH CARE INSURANCE CO | $35K | $11K | $46K | 22.92% |
| MORETON & COMPANY3 Filed as: MORTON & COMPANY | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 | 5818 SOUTH 900 EAST UNIT 1 MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $170 | $1K | 8.38% |
| MORETON & COMPANY Filed as: FRED A. MORETON AND COMPANY | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $673 | — | $673 | 4.71% |
| TIM VINCENT INS AGY INC Filed as: TIM VINCENT INS AGY INC. | 1124 W SOUTH JORDAN PKWY SALT LAKE CITY, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $35 | $236 | 1.65% |
| VOLUNTARY SOLUTIONS INC Filed as: VOLUNTARY SOLUTIONS INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| PAM ANDERSON & ASSOCIATES INC Filed as: PAM ANDERSON & ASSOCIATES INC. | 5818 SOUTH 900 EAST UNIT 1 MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| RICHARD K JOHNSON | 684 EAST VINE STREET MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | VISION SERVICE PLAN | $897 | — | $897 | 6.35% |
| MORETON & COMPANY3 | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MORETON & COMPANY3 | P.O. BOX 58139 SALT LAKE CITY, UT 841580139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MORETON & COMPANY3 | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $588 | — | $588 | 13.37% |
| MORETON & COMPANY3 | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Other commissions; Claims processing Service code 12 | — | $141K |
| FRED A MORTON & COMPANY EIN 87-0218394 BROKER | Other commissions Service code 55 | PO BOX 58139 SALT LAKE CITY, UT 841580139 | $0 |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 140 | $0 |
| Vision | VISION SERVICE PLAN | 70 | $14K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $49K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $25K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTH CARE INSURANCE CO | 465 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.