| 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 | $18K | $10K | $28K | 15.57% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $11K | $28K | 15.89% |
| BENEFIT ADMINSTRATIVE SOLUTIONS5 | PO BOX 156 HYDE PARK, UT 84318 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $9K | — | $9K | 9.50% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DR SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.23% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 7.33% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | — | $310 | 0.42% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $4K | $11K | 15.89% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DR SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 10.49% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.40% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 0.24% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $1K | $11K | 58.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $389K |
| MERITAN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $155K |
| BENEFIT ADMINISTRATIVE SOLUTIONS EIN 26-0658082 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 156 HYDE PARK, UT 84318 | $39K |
| NATIONAL COOPERATIVERX EIN 04-3775178 PHARAMCY BENEFIT CONSULT | Consulting (general) Service code 16 | 5510 RESEARCH PARK DR STE 150 FITCHBERG, WI 53711 | $0 |
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 | 837 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 512 | $673K |
| Vision | TOWN & COUNTRY LIFE INSURANCE COMPANY | 517 | $95K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 834 | $202K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 425 | $199K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 909 | $179K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 512 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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.