| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.95% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.68% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SALT LAKE, UT 84158 | OPTICARE OF UTAH | $2K | $0 | $2K | 10.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE AGENCY | $2K | $0 | $2K | 15.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $770 | $0 | $770 | 12.83% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $284 | $0 | $284 | 14.99% |
| MORETON & COMPANY3 | 101 S 200 E SATL LAKE, UT 84111 | SELECT BENEFITS GROUP, INC., DBA DENTAL SELECT | $10K | $0 | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $257K |
| FRED A MORETON & COMPANY BROKER | Other commissions Service code 55 | — | $35K |
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 | 386 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SELECT BENEFITS GROUP, INC., DBA DENTAL SELECT | 353 | $0 |
| Vision | OPTICARE OF UTAH | 113 | $17K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 386 | $225K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 384 | $84K |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 340 | $299K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 386 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.