| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CIT Y, UT 84158 | STARMONT LIFE INSURANCE COMPANY | $9K | $2K | $11K | 8.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6400 SOUTH FIDDLERS GREEN CIRCLE GREENWOOD, CO 80111 | STARMONT LIFE INSURANCE COMPANY | $4K | $314 | $5K | 3.63% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CIT Y, UT 84158 | UNUM INSURANCE COMPANY | $3K | $328 | $3K | 13.49% |
| KAREN HARMER3 | 2581 EAST GOLDEN EYE DRIVE SANDY, UT 84093 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 8.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6400 SOUTH FIDDLERS GREEN CIRCLE GREENWOOD, CO 80111 | UNUM INSURANCE COMPANY | $287 | $12 | $299 | 1.23% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CIT Y, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $284 | $2K | 12.96% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 SOUTH 2ND STREET EAST SUITE 300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $797 | $0 | $797 | 4.83% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMONT LIFE INSURANCE COMPANY | 130 | $124K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 289 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $18K |
| Other(3 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 193 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.