| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | SELECTHELATH | $30K | $10K | $40K | 3.64% |
| LARRY OVERTON3 | — | DELTA DENTAL | $9K | $0 | $9K | 10.00% |
| LARRY BRET KINGHORN3 Filed as: LARRY W OVERTON | PO BOX 17502 SLC, UT 84117 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 14.27% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | SELECTHEALTH | $134 | $45 | $179 | 2.97% |
No Schedule C service providers reported on this filing.
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHELATH | 309 | $1.1M |
| Dental | DELTA DENTAL | 84 | $88K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 113 | $36K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 113 | $36K |
| Other | HARTFORD LIFE AND ACCIDENT | 113 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.