| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY Filed as: FRED A. MORETON AND COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $3K | $16K | 18.83% |
| MORETON & COMPANY Filed as: FRED A. MORETON AND COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 19.35% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | VISION SERVICE PLAN | $2K | — | $2K | 4.31% |
| SHERRIE M HOPKINS INS AGCY LUTCF,PC3 | 5818 SOUTH 900 EAST UNIT 1 MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.94% |
| MORETON & COMPANY1 Filed as: FRED A. MORETON AND COMPANY | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.92% |
| ISAACSON INSURANCE AGENCY LLC | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $32 | $206 | 1.10% |
| PATTI A VINCENT3 Filed as: PATTI A VINCENT & ASSOCIATES INC. | 3489 WEST 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 0.50% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS INC. | 886 E 3200 N KAMAS, UT 84036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $8 | $76 | 0.40% |
| PAM ANDERSON & ASSOCIATES INC3 Filed as: PAM ANDERSON & ASSOCIATES INC. | 5818 SOUTH 900 EAST UNIT 1 MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.04% |
| RICHARD K JOHNSON3 | 684 EAST VINE STREET MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| VOLUNTARY SOLUTIONS INC4 Filed as: VOLUNTARY SOLUTIONS INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| MORETON & COMPANY Filed as: FRED A. MORETON AND COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $238 | $165 | $403 | 25.43% |
| MORETON & COMPANY3 | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $3K | $16K | $19K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Other commissions; Claims processing Service code 12 | — | $238K |
| FRED A MORETON & COMPANY EIN 87-0218394 BROKER | Other commissions Service code 55 | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | $52K |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 243 | $0 |
| Vision | VISION SERVICE PLAN | 178 | $36K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 30 | $101K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $38K |
| Stop-loss / reinsurancereinsurance | BERKLEY FILE & HEALTH INS CO | 235 | $586K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.