| 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 | $36K | $9K | $45K | 12.50% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $8K | $40K | 12.50% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $4K | $18K | 12.50% |
| 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 | $8K | — | $8K | 10.70% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 8.81% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $267 | — | $267 | 0.35% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DR SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 15.58% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 11.78% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 0.16% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 12.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWN & COUNTRY LIFE INSURANCE CO EIN 75-1022783 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 58139 SALT LAKE CITY, UT 84158 | $199K |
| MERITAN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $199K |
| BENEFIT ADMINISTRATIVE SOLUTIONS EIN 26-0658082 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 424 SMITHFIELD, UT 84335 | $38K |
| NATIONAL COOPERATIVERX EIN 04-3775178 PHARAMCY BENEFIT CONSULT | Consulting (general) Service code 16 | 2418 CROSSROADS DR STE 2600 MADISON, WI 53718 | $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 | 862 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 786 | $836K |
| Vision | TOWN & COUNTRY LIFE INSURANCE COMPANY | 587 | $98K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 933 | $369K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 434 | $290K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 931 | $359K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 786 | $836K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.