| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $9K | $31K | 14.21% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $9K | $29K | 14.33% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 14.25% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 13.68% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $937 | — | $937 | 3.98% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DR SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $764 | $3K | 14.37% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.90% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $683 | — | $683 | 3.95% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DR SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 CLAIMS PROCESSING | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $611K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $174K |
| MERITAN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $115K |
| HUMANA DENTAL INSURANCE COMPANY EIN 39-0714280 CLAIMS PROCESSING | Claims processing Service code 12 | 500 WEST MAIN STREET LOUISVILLE, KY 40202 | $32K |
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 | 810 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL UNION FIRE INS CO | 424 | $420K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 810 | $220K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 307 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 810 | $219K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INS CO | 424 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.