| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $18K | 15.04% |
| BENJAMIN G FUHRIMAN3 Filed as: BENJAMIN G. FUHRIMAN AND VARIOUS AG | 1441 NORTH 570 EAST SHELLEY, ID 83274 | AFLAC | $4K | $158 | $5K | 6.50% |
| LOGAN JACK HERRING-STEGELMEIER3 | 110 NORTH 4600 EAST RIRIE, ID 83443 | AFLAC | $2K | $0 | $2K | 3.31% |
| ADAM KORTH3 | 711 RIGBY LAKE DRIVE, SUITE 202 RIGBY, ID 83442 | AFLAC | $2K | $438 | $2K | 3.01% |
| STEVEN BOWLING3 Filed as: STEVEN O. BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $2K | $0 | $2K | 2.84% |
| LOGAN JACK HERRING-STEGELMEIER3 | 711 RIGBY LAKE DRIVE, SUITE 103 RIGBY, ID 83442 | AFLAC | $2K | $2 | $2K | 2.41% |
| ADAM KORTH3 | 711 RIGBY LAKE DRIVE 103 RIGBY, ID 83442 | AFLAC | $1K | $446 | $2K | 2.40% |
| ADAM KORTH3 | 3725 WOODKING DRIVE IDAHO FALLS, ID 83404 | AFLAC | $825 | $601 | $1K | 2.01% |
| CURTIS J. NORENBERG3 Filed as: CURTIS J. NORENBERG AND VARIOUS AGE | 32010 NORTHWOOD LANE SAINT CLOUD, MN 56303 | AFLAC | $770 | $4 | $774 | 1.09% |
| ADAM KORTH3 | 711 RIGBY LAKE DRIVE SUITE 202 RIGBY, ID 83442 | AFLAC | $196 | $0 | $196 | 0.28% |
| ADAM KORTH3 | 711 RUGBY LAKE DRIVE 103 RIGBY, ID 83442 | AFLAC | $175 | $7 | $182 | 0.26% |
| LOGAN JACK HERRING-STEGELMEIER3 Filed as: LOGAN JACK HERRING STEGELMEIER | 711 RIGBY LAKE DRIVE, SUITE 103 RIGBY, ID 83442 | AFLAC | $163 | $2 | $165 | 0.23% |
| RAYMOND PUCCINELLI JR3 | 5080 SHADOW CREEK DRIVE IDAHO FALLS, ID 83401 | AFLAC | $161 | $0 | $161 | 0.23% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $122K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.