| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $32K | $33K | 3.16% |
| MORETON & COMPANY3 | PO BOX 58139 SLC, UT 84158 | HARTFORD LIFE AND ACCIDENT | $7K | $252 | $8K | 9.19% |
| THE BUCKNER COMPANY3 Filed as: BUCKNER COMPANY INC THE | 2225 WASHINGTON BLVD STE 225 OGDEN, UT 84401 | HARTFORD LIFE AND ACCIDENT | -$41 | $0 | -$41 | -0.05% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $2K | $0 | $2K | — |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.0M |
| Dental | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 127 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 178 | $82K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 178 | $82K |
| Other | HARTFORD LIFE AND ACCIDENT | 178 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.