| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: MORETON INSURANCE OF COLORADO | 4600 S ULSTER ST STE 380 DENVER, UT 80327 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 5.27% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $143 | $0 | $143 | 0.06% |
| FLEXVISION3 | 15400 CALHOUN DR ROCKVILLE, MD 20855 | EYEMED | $170 | $0 | $170 | 0.50% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | EYEMED | $153 | $0 | $153 | 0.45% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SLC, UT 84111 | DELTA DENTAL INSURANCE COMPANY | $12K | $0 | $12K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $212K |
| COMPSYCH EIN 35-3739783 TPA | Claims processing Service code 12 | — | $3K |
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 | 391 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 991 | $0 |
| Vision | EYEMED | 957 | $34K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 391 | $238K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 391 | $238K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 391 | $238K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS CO | 332 | $513K |
| Other(2 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS | 391 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 991 | — |
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.