| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.63% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.24% |
| MILLER INSURANCE GROUP3 | 770 S WEST TEMPLE SLC, UT 84101 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.54% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOC | 257 E 200 S STE 750 SLC, UT 84111 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $759 | $0 | $759 | 2.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84150 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $510 | $0 | $510 | 1.34% |
| MILLER INSURANCE GROUP3 | 770 S WEST TEMPLE SLC, UT 84101 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.52% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES | 257 E 200 S STE 750 SLC, UT 84111 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $627 | $0 | $627 | 1.99% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $409 | $0 | $409 | 1.30% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.79% |
| MILLER INSURANCE GROUP3 | 770 S WEST TEMPLE SLC, UT 84101 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $694 | $0 | $694 | 6.18% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 709 E SOUTH TEMPLE SLC, UT 84102 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $327 | $0 | $327 | 2.91% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES | 257 E 200 S STE 100 SLC, UT 84111 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $297 | $0 | $297 | 2.64% |
| MILLER INSURANCE GROUP3 | 770 S WEST TEMPLE SLC, UT 84101 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $494 | $0 | $494 | 4.61% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 709 E SOUTH TEMPLE SLC, UT 84102 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $265 | $0 | $265 | 2.47% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL ASSOCIATES | 257 E 200 S STE 100 SLC, UT 84111 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $211 | — | $211 | 1.97% |
| MILLER INSURANCE GROUP3 | 770 S WEST TEMPLE SLC, UT 84101 | OPTICARE OF UTAH | $606 | — | $606 | 5.91% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | OPTICARE OF UTAH | $403 | $0 | $403 | 3.93% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOC | 257 E 200 S #750 SLC, UT 84111 | OPTICARE OF UTAH | $181 | — | $181 | 1.77% |
| MILLER INSURANCE GROUP3 | 770 S WEST TEMPLE SLC, UT 84101 | OPTICARE OF UTAH | $624 | $0 | $624 | 6.67% |
| MORETON & COMPANY3 Filed as: FRED A MORETON | PO BOX 58139 SLC, UT 84150 | OPTICARE OF UTAH | $300 | $0 | $300 | 3.21% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOC | 257 E 200 S STE 750 SLC, UT 84111 | OPTICARE OF UTAH | $187 | $0 | $187 | 2.00% |
| MILLER INSURANCE GROUP3 | 770 S WEST TEMPLE SLC, UT 84101 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $102 | $0 | $102 | 3.53% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOCIATES | 257 E 200 S STE 750 SLC, UT 84111 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $57 | $0 | $57 | 1.97% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84150 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $38 | $0 | $38 | 1.31% |
| MILLER INSURANCE GROUP3 | 770 S WEST TEMPLE SLC, UT 84101 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $113 | — | $113 | 5.08% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 709 E SOUTH TEMPLE SLC, UT 84102 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $56 | — | $56 | 2.52% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL AND ASSOCIATES | 257 E 200 S STE 100 SLC, UT 84111 | TOTAL DENTAL ADMINISTRATORS OF UTAH, INC. | $48 | $0 | $48 | 2.16% |
| MILLER INSURANCE GROUP3 | 770 S WEST TEMPLE SLC, UT 84101 | OPTICARE OF UTAH | $55 | $0 | $55 | 6.64% |
| MORETON & COMPANY3 Filed as: FRED A MORETON | PO BOX 58139 SLC, UT 84150 | OPTICARE OF UTAH | $27 | $0 | $27 | 3.26% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL & ASSOC | 257 E 200 S STE 750 SLC, UT 84111 | OPTICARE OF UTAH | $16 | $0 | $16 | 1.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIVERSITY OF UTAH HEALTH INSURANCE EIN 47-2293857 THIRD PARTY CLAIMS PROC | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $153K |
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 | 401 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 2 carriers) | TOWN & COUNTRY LIFE INSURANCE COMPANY | 104 | $97K |
| Vision(3 contracts) | OPTICARE OF UTAH | 137 | $20K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 401 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $64K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.