| 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 | $30K | $7K | $37K | 12.50% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $7K | $35K | 12.47% |
| BENEFIT ADMINSTRATIVE SOLUTIONS | PO BOX 156 HYDE PARK, UT 84318 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $9K | — | $9K | 9.50% |
| MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $12K | 12.50% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DR SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 23.57% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 19.10% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $604 | — | $604 | 0.72% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DR SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 29.14% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 22.46% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $289 | — | $289 | 0.44% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $753 | $4K | 12.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 CLAIMS PROCESSING | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $1.1M |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $264K |
| MERITAN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $115K |
| BENEFIT ADMINISTRATIVE SOLUTIONS EIN 26-0658082 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 156 HYDE PARK, UT 84318 | $60K |
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 | 853 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 578 | $479K |
| Vision | TOWN & COUNTRY LIFE INSURANCE COMPANY | 594 | $96K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $311K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $246K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 939 | $299K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 578 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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.