| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | BERKLEY LIFE & HEALTH INS CO | — | — | $0 | 0.00% |
| 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 | $12K | $4K | $15K | 21.23% |
| PROFESSIONAL GROUP PLANS INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $850 | $4K | 5.77% |
| 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 | $8K | $3K | $11K | 21.53% |
| PROFESSIONAL GROUP PLANS INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $626 | $3K | 5.42% |
| MORETON & COMPANY4 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | VISION SERVICE PLAN | $2K | — | $2K | 3.80% |
| 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 | $3K | $877 | $4K | 21.28% |
| PROFESSIONAL GROUP PLANS INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $757 | $204 | $961 | 5.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL COOPERATIVE RX EIN 05-0340626 FARMACY BENEFIT CONSULTAN | Other commissions Service code 55 | 2418 CROSSROADS DRIVE, SUITE 2600 MADISON, WI 53718 | $854K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $239K |
| FRED A MORETON & COMPANY EIN 87-0218394 BROKER | Other commissions Service code 55 | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | $62K |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 254 | $48K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $72K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $18K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $68K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 312 | $635K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.