| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | STANDARD INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | STANDARD INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $5K | — | $5K | 4.00% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DR SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 13.76% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 10.54% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $237 | — | $237 | 0.23% |
| VOLUNTARY BENEFITS SOL LLC3 | 2581 EAST GOLDEN EYE DR SANDY, UT 84093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 17.82% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 13.22% |
| DAVID L RUSSELL3 | 881 E COBBLEGATE DR, UNIT 404 SANDY, UT 84094 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.11% |
| 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 | $258K |
| MERITAN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $240K |
| 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 | 982 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 889 | $1.1M |
| Vision | TOWN & COUNTRY LIFE INSURANCE COMPANY | 702 | $114K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,033 | $387K |
| Short-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 460 | $394K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,022 | $389K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 889 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.