| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $6K | $57K | 16.39% |
| MJ INSURANCE3 Filed as: BRANDON DAW AND VARIOUS AGENTS | 665 SOUTH WOODRUFF AVENUE IDAHO FALLS, ID 83401 | AFLAC | $2K | $0 | $2K | 4.33% |
| STEVEN BOWLING3 Filed as: STEVEN O. BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $1K | $0 | $1K | 3.38% |
| ADAM KORTH3 Filed as: ADAM DAVID KORTH | PO BOX 1 MENAN, ID 83434 | AFLAC | $775 | $0 | $775 | 1.96% |
| RAYMOND PUCCINELLI JR3 | 5080 SHADOW CREEK DRIVE IDAHO FALLS, ID 83401 | AFLAC | $312 | $0 | $312 | 0.79% |
| CURTIS J. NORENBERG3 | 32010 NORTHWOOD LANE SAINT CLOUD, MN 56303 | AFLAC | $288 | $0 | $288 | 0.73% |
| LOGAN JACK HERRING-STEGELMEIER3 | 110 NORTH 4600 EAST RIGBY, ID 83442 | AFLAC | $194 | $0 | $194 | 0.49% |
| BRENDA LEE SHERWOOD3 | 230 5TH STREET IDAHO FALLS, ID 83401 | AFLAC | $149 | $0 | $149 | 0.38% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $348K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $348K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $348K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.