| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE, UT 84157 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $161K | $161K | 2.04% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $28K | $0 | $28K | 4.95% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $10K | $38K | 20.22% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SLC, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $8K | $28K | 20.57% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | ACE USA GROUP | $11K | $0 | $11K | 11.00% |
No Schedule C service providers reported on this filing.
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 | 1,171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,007 | $7.9M |
| Dental | TOWN & COUNTRY LIFE INSURANCE COMPANY | 1,986 | $558K |
| Vision | ACE USA GROUP | 781 | $99K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 782 | $186K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 500 | $138K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 782 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,007 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.