| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW B WALDRAM3 Filed as: MATTHEW WALDRAM | PO BOX 2741 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.67% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $697 | $0 | $697 | 3.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK INK SOLUTIONS | — | WILLAMETTE DENTAL OF IDAHO, INC. | $336 | $0 | $336 | 4.04% |
| MORETON & COMPANY3 | — | WILLAMETTE DENTAL OF IDAHO, INC. | $115 | — | $115 | 1.38% |
| CARLOS APONTE3 | 136 SOUTH 1ST WEST REXBURG, ID 83440 | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | $25K | $0 | $25K | — |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SALT LAKE, UT 84111 | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | $19K | $0 | $19K | — |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | 478 | $0 |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL OF IDAHO, INC. | 478 | $8K |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | 478 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $19K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.