| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $3K | — | $3K | 1.37% |
| MORETON & COMPANY3 | P.O. BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $3K | $15K | 18.15% |
| PROFESSIONAL GROUP PLANS INC Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.14% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | VISION SERVICE PLAN | $2K | — | $2K | 4.29% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $310 | $2K | 17.15% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $651 | $2K | 21.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing; Other commissions Service code 12 | — | $187K |
| 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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE & HEALTH INS CO | 242 | $493K |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 251 | $215K |
| Vision | VISION SERVICE PLAN | 183 | $36K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $99K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58 | $10K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 238 | $493K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.