| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTION, INC. | 11755 E PEAKVIEW AVE STE 250 DENVER, CO 80111 | HHC LIFE INSURANCE COMPANY | — | $44K | $44K | 12.52% |
| MORETON & COMPANY3 Filed as: FA MORETON & COMPANY | PO BOX 58139 SLC, UT 84158 | HHC LIFE INSURANCE COMPANY | — | $44K | $44K | 12.52% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST STE 300 SLC, UT 84158 | OPTICARE OF UTAH | $4K | $0 | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SERVICES EIN 26-0658082 PLAN ADMINISTRATOR | Claims processing Service code 12 | — | $67K |
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 | 779 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | OPTICARE OF UTAH | 740 | $37K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 779 | $140K |
| Stop-loss / reinsurancereinsurance | HHC LIFE INSURANCE COMPANY | 3,636 | $352K |
| Other | LIFEMAP ASSURANCE COMPANY | 779 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,636 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.