| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | HARTFORD LIFE AND ACCIDENT | $6K | $250 | $6K | 15.62% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84158 | OPTICARE OF UTAH | $1K | $0 | $1K | 10.00% |
| GOLDENTWEST INSURANCE SERVICES3 | 5025 S ADAMS AVE OGDEN, UT 84403 | STANDARD INSURANCE COMPANY | $651 | $0 | $651 | 7.30% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | STANDARD INSURANCE COMPANY | $354 | $0 | $354 | 3.97% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES | 370 E SOUTH TEMPLE STE 200 SLC, UT 84111 | STANDARD INSURANCE COMPANY | $134 | $0 | $134 | 1.50% |
| MORETON & COMPANY3 Filed as: MORETON & CO | 101 S 200 E STE 300 SLC, UT 84111 | HARTFORD LIFE AND ACCIDENT | $129 | $0 | $129 | 11.70% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES INC | 370 E SOUTH TEMPLE STE 320 SLC, UT 84111 | HARTFORD LIFE AND ACCIDENT | $36 | $0 | $36 | 3.26% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $10K | $0 | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $125K |
| UNIVERSITY OF UTAH NEUROPSYCHIATRIC EIN 47-2293857 THIRD PARTY CLAIM | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1K |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 535 | $0 |
| Vision | OPTICARE OF UTAH | 87 | $11K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 290 | $49K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 54 | $40K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 288 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.