| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A. MORTEN AND COMPANY | 709 EAST SOUTH TEMPLE SALT LAKE CITY, UT 84158 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $84 | $84 | 0.08% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $25 | $25 | 0.02% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84158 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $4K | $0 | $4K | 5.00% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84158 | OPTICARE OF UTAH | $1K | $0 | $1K | 10.00% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84158 | UNIVERSITY OF UTAH HEALTH INSURANCE PLANS | $44K | $0 | $44K | — |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 69 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY OF UTAH HEALTH INSURANCE PLANS | 473 | $0 |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 473 | $88K |
| Vision | OPTICARE OF UTAH | 137 | $11K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 349 | $111K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 349 | $111K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 349 | $111K |
| Prescription drug | UNIVERSITY OF UTAH HEALTH INSURANCE PLANS | 473 | $0 |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 349 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.