| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | SELECTHEALTH | $48K | $16K | $64K | 2.30% |
| MORETON & COMPANY3 Filed as: FRED MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $9K | 4.22% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | SELECTHEALTH | $1K | $417 | $2K | 2.27% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE, UT 84158 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON AND COMPANY | PO BOX 58139 SLC, UT 84158 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MORETON & COMPANY3 | 709 E SOUTH TEMPLE SALT LAKE, UT 84102 | ORRIANT | $715 | $0 | $715 | 1.74% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE, UT 84158 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST STE 300 SLC, UT 84158 | OPTICARE OF UTAH | $2K | $0 | $2K | 10.00% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 578 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $224K |
| Vision | OPTICARE OF UTAH | 186 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $40K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.