Form 5500 · Employee benefit plan · CEDAR CITY, UT
STATE BANK OF SOUTHERN UTAH
The filing calls this plan STATE BANK OF SOUTHERN UTAH CAFETERIA PLAN.
STATE BANK OF SOUTHERN UTAH of CEDAR CITY, UT insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MORETON AND COMPANY. Coverage is written through MOTIVHEALTH and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-0234702 · plan 501 · plan year 2025, filed Mar 20, 2026
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699 other employer plans in Utah have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering health, dental, vision, life and disability; the largest, with MOTIVHEALTH, covers 638 people.
Reported premium across the insured contracts is $2,572,423, with $23,267 in disclosed broker commissions — about 0.9% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MORETON AND COMPANY is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including MOTIVHEALTH, TOWN & COUNTRY LIFE INSURANCE COMPANY and AMERICAN UNITED LIFE INSURANCE COMPANY. MOTIVHEALTH writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 283 | Jan 1, 2026 | $119,419 | $15,004 |
| TOWN & COUNTRY LIFE INSURANCE COMPANY | Dental, Vision | 194 | Jan 1, 2026 | $206,584 | $8,263 |
| MOTIVHEALTH | Health | 638 | Jan 1, 2026 | $2,246,420 | $0 |
Premium and claims on this contract
MOTIVHEALTH, contract SBOSU01SN. For the contract year on this filing, the carrier reported $2,246,420 in premium earned and $1,663,195 in claims incurred. Dividing one by the other gives 74%.
- MOTIVHEALTH, contract SBOSU01SN reported $583,225 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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