| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAM KORTH AND OTHER AGENTS3 | 711 RUGBY LAKE DRIVE SUITE 103 RIGBY, ID 83442 | AFLAC | $2K | $107 | $2K | 4.62% |
| STEVEN BOWLING3 Filed as: STEVEN O BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $2K | $0 | $2K | 3.88% |
| BENJAMIN G FUHRIMAN3 | 1441 NORTH 570 EAST SHELLEY, ID 83274 | AFLAC | $1K | $0 | $1K | 2.01% |
| JACOB J MCINTOSH3 | 7180 SOUTHWEST FIR LOOP SUITE 250 TIGARD, OR 97223 | AFLAC | $740 | $0 | $740 | 1.44% |
| MECHELLE GRANT3 | 1860 MASTERS DRIVE IDAHO FALLS, ID 83401 | AFLAC | $604 | $0 | $604 | 1.18% |
| TRACY JASON TEUSCHER3 | 3766 EAST RIDGELAND DRIVE IDAHO FALLS, ID 83401 | AFLAC | $487 | $0 | $487 | 0.95% |
| STEPHANIE P ELG3 | 3441 SUN CIRCLE IDAHO FALLS, ID 83404 | AFLAC | $375 | $0 | $375 | 0.73% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $295 | $4K | 10.04% |
| ADAM KORTH AND OTHER AGENTS3 | 711 RUBGY LAKE DRIVE SUITE 103 RIGBY, ID 83442 | AFLAC | $538 | $0 | $538 | 3.96% |
| STEVEN BOWLING3 Filed as: STEVEN O BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $516 | $0 | $516 | 3.80% |
| RAYMOND PUCCINELLI JR3 | 5080 SHADOW CREEK DRIVE IDAHO FALLS, ID 83401 | AFLAC | $193 | $0 | $193 | 1.42% |
| CURTIS J. NORENBERG3 Filed as: CURTIS J NORENBERG | 32010 NORTHWOOD LANE SAINT CLOUD, MN 56303 | AFLAC | $161 | $0 | $161 | 1.19% |
| MECHELLE GRANT3 | 1860 MASTERS DRIVE IDAHO FALLS, ID 83401 | AFLAC | $131 | $0 | $131 | 0.96% |
| BRENDA LEE SHERWOOD3 | 2305TH STREET IDAHO FALLS, ID 83401 | AFLAC | $118 | $0 | $118 | 0.87% |
| BENJAMIN G FUHRIMAN3 | 1441 NORTH 570 EAST SHELLEY, ID 83442 | AFLAC | $102 | $0 | $102 | 0.75% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $39K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.