| 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 | $45K | $6K | $51K | 16.72% |
| STEVEN BOWLING3 Filed as: STEVEN O BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $2K | $0 | $2K | 3.33% |
| PHILLIP PAGE3 Filed as: PHILLIP ALLAN PAGE AND OTHER AGENTS | 8870 SOUTH 500 EAST HUNTSVILLE, UT 84317 | AFLAC | $2K | $0 | $2K | 3.20% |
| ADAM KORTH3 | 3725 WOODKING DRIVE IDAHO FALLS, ID 83404 | AFLAC | $1K | $586 | $2K | 2.84% |
| LOGAN JACK HERRING-STEGELMEIER3 | 110 NORTH 4600 EAST RIGBY, ID 83442 | AFLAC | $676 | $83 | $759 | 1.32% |
| JACOB J MCINTOSH3 | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $566 | $0 | $566 | 0.99% |
| MECHELLE GRANT3 | 1860 MASTERS DRIVE IDAHO FALLS, ID 83401 | AFLAC | $416 | $0 | $416 | 0.72% |
| L J HERRING-STEGELMEIER AND AGENTS3 | 110 NORTH 4600 EAST RIGBY, ID 83442 | AFLAC | $366 | $26 | $392 | 0.68% |
| BRANDON JAROM DAW3 | 665 SOUTH WOODRUFF AVENUE IDAHO FALLS, ID 83401 | AFLAC | $239 | $51 | $290 | 0.50% |
| RAYMOND PUCCINELLI JR3 | 5080 SHADOW CREEK DRIVE IDAHO FALLS, ID 83401 | AFLAC | $177 | $0 | $177 | 0.31% |
| CURTIS J. NORENBERG3 Filed as: CURTIS J NORENBERG | 32010 NORTHWOOD LANE SAINT CLOUD, MN 56303 | AFLAC | $135 | $0 | $135 | 0.23% |
| BRENDA LEE SHERWOOD3 | 230 5TH STREET IDAHO FALLS, ID 83401 | AFLAC | $99 | $0 | $99 | 0.17% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $303K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $303K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $303K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.