| 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 | $49K | $6K | $55K | 16.35% |
| STEVEN BOWLING3 Filed as: STEVEN O. BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $1K | $0 | $1K | 3.42% |
| MJ INSURANCE3 Filed as: LOGAN STEGELMEIER & VARIOUS AGENTS | 110 NORTH 4600 EAST RIGBY, ID 83442 | AFLAC | $1K | $0 | $1K | 2.92% |
| ADAM KORTH3 Filed as: ADAM DAVID KORTH | 586 1ST STREET IDAHO FALLS, ID 83401 | AFLAC | $774 | $0 | $774 | 2.09% |
| RAYMOND PUCCINELLI JR3 | 5080 SHADOW CREEK DRIVE IDAHO FALLS, ID 83401 | AFLAC | $333 | $0 | $333 | 0.90% |
| JACOB J MCINTOSH3 Filed as: JACOB J. MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $315 | $0 | $315 | 0.85% |
| CURTIS J. NORENBERG3 | 32010 NORTHWOOD LANE SAINT CLOUD, MN 56303 | AFLAC | $296 | $0 | $296 | 0.80% |
| MECHELLE GRANT3 | 1860 MASTERS DRIVE IDAHO FALLS, ID 83401 | AFLAC | $233 | $0 | $233 | 0.63% |
| MJ INSURANCE3 Filed as: STEPHANIE P. ELG AND VARIOUS AGENTS | 3441 SUN CIRCLE IDAHO FALLS, ID 83404 | AFLAC | $175 | $0 | $175 | 0.47% |
| BRENDA LEE SHERWOOD3 | 230 5TH STREET IDAHO FALLS, ID 83401 | AFLAC | $89 | $0 | $89 | 0.24% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $338K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $338K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $338K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.