| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE, UT 84158 | SELECTHEALTH | $55K | $18K | $73K | 2.45% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.26% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.25% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 13.61% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.27% |
| MORETON & COMPANY3 | 101 S 200 E SLC, UT 84111 | SELECTHEALTH | $450 | $147 | $597 | 1.83% |
| MORETON & COMPANY3 | 709 E SOUTH TEMPLE SLC, UT 84102 | ORRIANT | $1K | $0 | $1K | 5.07% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84158 | OPTICARE OF UTAH | $1K | $0 | $1K | 9.99% |
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 | 589 | $3.0M |
| Dental | SELECTHEALTH | 4 | $33K |
| Vision | OPTICARE OF UTAH | 180 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $103K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $42K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.