| 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 | $50K | $5K | $55K | 15.91% |
| MJ INSURANCE3 Filed as: PHILLIP A. PAGE AND VARIOUS AGENTS | 8870 SOUTH 500 EAST HUNTSVILLE, UT 84317 | AFLAC | $1K | $15 | $1K | 3.63% |
| STEVEN BOWLING3 Filed as: STEVEN O. BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $1K | $0 | $1K | 3.22% |
| ADAM KORTH3 Filed as: ADAM DAVID KORTH | 586 1ST STREET IDAHO FALLS, ID 83401 | AFLAC | $635 | $13 | $648 | 1.99% |
| JACOB J MCINTOSH3 Filed as: JACOB J. MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, ID 83401 | AFLAC | $381 | $0 | $381 | 1.17% |
| MECHELLE GRANT3 | 1860 MASTERS DRIVE IDAHO FALLS, ID 83401 | AFLAC | $268 | $0 | $268 | 0.82% |
| CURTIS J. NORENBERG3 | 32010 NORTHWOOD LANDE SAINT CLOUD, MN 56303 | AFLAC | $193 | $0 | $193 | 0.59% |
| RAYMOND PUCCINELLI JR3 Filed as: RAYMOND PUCCINELLI JR. | 5080 SHADOW CREEK DRIVE IDAHO FALLS, ID 83401 | AFLAC | $190 | $0 | $190 | 0.58% |
| STEVEN BOWLING3 Filed as: STEVEN O. BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $403 | $0 | $403 | 3.95% |
| MJ INSURANCE3 Filed as: STEPHANIE P. ELG AND VARIOUS AGENTS | 3441 SUN CIRCLE IDAHO FALLS, ID 83404 | AFLAC | $226 | $0 | $226 | 2.22% |
| RAYMOND PUCCINELLI JR3 Filed as: RAYMOND PUCCINELLI JR. | 5080 SHADOW CREEK DRIVE IDAHO FALLS, ID 83401 | AFLAC | $176 | $0 | $176 | 1.73% |
| CURTIS J. NORENBERG3 | 32010 NORTHWOOD LANDE SAINT CLOUD, MN 56303 | AFLAC | $134 | $0 | $134 | 1.31% |
| BRENDA LEE SHERWOOD3 | 230 5TH STREET IDAHO FALLS, ID 83401 | AFLAC | $97 | $0 | $97 | 0.95% |
| ADAM KORTH Filed as: ADAM DAVID KORTH | 586 1ST STREET IDAHO FALLS, ID 83401 | AFLAC | $90 | $0 | $90 | 0.88% |
| MECHELLE GRANT3 | 1860 MASTERS DRIVE IDAHO FALLS, ID 83401 | AFLAC | $59 | $0 | $59 | 0.58% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $346K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $346K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $346K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $389K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.