| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E SUITE 300 SALT LAKE CITY, UT 84111 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $61K | $63K | 3.16% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 SOUTH 200 EAST #300 SALT LAKE CITY, UT 84111 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.21% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 12.49% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 17.94% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | BLOMQUIST HALE | $0 | $0 | $0 | 0.00% |
| MORETON & COMPANY3 | 101 S 200 E SUITE 300 SALT LAKE CITY, UT 84111 | SELECT BENEFITS GROUP DBA DENTAL SELECT | $2K | $0 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MORETON & COMPANY ADMINISTRATOR | Contract Administrator Service code 13 | 101 S 200 E SUITE 300 SALT LAKE CITY, UT 84111 | $86K |
| APA BENEFITS, INC. CLAIMS PROCESSOR | Claims processing Service code 12 | 8899 S 700 E SUITE 225 SANDY, UT 84070 | $8K |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 385 | $2.0M |
| Dental | SELECT BENEFITS GROUP DBA DENTAL SELECT | 138 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 385 | $2.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $86K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $86K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.