| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | COMPANION LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| UMR, INC. Filed as: UMR INC. | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | COMPANION LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MORETON & COMPANY3 Filed as: MORTON & COMPANY | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.26% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | VISION SERVICE PLAN | $1K | — | $1K | 4.37% |
| MORETON & COMPANY | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $832 | $5K | 18.10% |
| ASSUREX Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST, SUITE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 | 5818 SOUTH 900 EAST UNIT 1 MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $240 | $2K | 11.60% |
| MORETON & COMPANY1 Filed as: FRED A. MORETON AND COMPANY | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $622 | — | $622 | 4.10% |
| ISAACSON INSURANCE AGENCY LLC | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $29 | $110 | 0.72% |
| PAM ANDERSON & ASSOCIATES INC3 Filed as: PAM ANDERSON & ASSOCIATES INC. | 5818 SOUTH 900 EAST UNIT 1 MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $1 | $83 | 0.55% |
| PATTI A VINCENT3 Filed as: PATTI A VINCENT & ASSOCIATES INC. | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.50% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS INC. | 886 E 3200 N KAMAS, UT 84036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $3 | $45 | 0.30% |
| RICHARD K JOHNSON3 | 684 EAST VINE STREET MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| VOLUNTARY SOLUTIONS INC4 Filed as: VOLUNTARY SOLUTIONS INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MORETON & COMPANY3 | P.O. BOX 58139 SALT LAKE CITY, UT 841580139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $490 | $2K | 18.73% |
| MORETON & COMPANY3 | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $356 | $2K | 14.81% |
| MORETON & COMPANY3 | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $3K | $15K | $18K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Other commissions; Claims processing Service code 12 | — | $183K |
| FRED A MORETON & COMPANY EIN 87-0218394 BROKER | Other commissions Service code 55 | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | $50K |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 222 | $0 |
| Vision | VISION SERVICE PLAN | 153 | $31K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $88K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $11K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $40K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 215 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.