| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $8K | $21K | 11.47% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $14K | $14K | 7.73% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 19.55% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 EAST 150TH AVENUE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 10.15% |
| VOLUMTARY SOLUTIONS, INC.3 | 9903 EAST 150TH AVENUE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 6.51% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 5.01% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.35% |
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 | 2,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 403 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $185K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $185K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,000 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,000 | — |
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.