| 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 | $45K | $5K | $50K | 16.75% |
| STEVEN BOWLING3 Filed as: STEVEN O. BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $832 | $0 | $832 | 3.29% |
| PHILLIP PAGE3 Filed as: PHILLIP ALLAN PAGE AND OTHER AGENTS | 8870 SOUTH 500 EAST HUNTSVILLE, UT 84317 | AFLAC | $747 | $46 | $793 | 3.14% |
| ADAM KORTH3 Filed as: ADAM DAVID KORTH | PO BOX 1 MENAN, ID 83434 | AFLAC | $395 | $46 | $441 | 1.74% |
| JACOB J MCINTOSH3 Filed as: JACOB J. MCINTOSH | 665 SOUTH WOODRUFF AVENUE SUITE 250 IDAHO FALLS, OR 83401 | AFLAC | $246 | $0 | $246 | 0.97% |
| MECHELLE GRANT3 | 1860 MASTERS DRIVE IDAHO FALLS, ID 83401 | AFLAC | $203 | $0 | $203 | 0.80% |
| CURTIS J. NORENBERG3 | 32010 NORTHWOOD LANE SAINT CLOUD, MN 56303 | AFLAC | $140 | $0 | $140 | 0.55% |
| RAYMOND PUCCINELLI JR3 Filed as: RAYMOND PUCCINELLI, JR. | 5080 SHADOW CREEK DRIVE IDAHO FALLS, ID 83401 | AFLAC | $131 | $0 | $131 | 0.52% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $348 | $2K | 11.02% |
| STEVEN BOWLING3 Filed as: STEVEN O. BOWLING | 2802 ANITA LANE TYLER, TX 75701 | AFLAC | $367 | $0 | $367 | 3.53% |
| STEPHANIE P FRIZZELL & OTHER AGENTS3 Filed as: STEPHANIE FRIZZELL AND OTHER AGENTS | 100 MASON STREET CENTERVILLE, TN 37033 | AFLAC | $227 | $14 | $241 | 2.32% |
| ADAM KORTH3 Filed as: ADAM DAVID KORTH | PO BOX 1 MENAN, ID 83434 | AFLAC | $181 | $20 | $201 | 1.94% |
| RAYMOND PUCCINELLI JR3 Filed as: RAYMOND PUCCINELLI, JR. | 5080 SHADOW CREEK DRIVE IDAHO FALLS, ID 83401 | AFLAC | $176 | $0 | $176 | 1.69% |
| CURTIS J. NORENBERG3 | 32010 NORTHWOOD LANE SAINT CLOUD, MN 56303 | AFLAC | $132 | $0 | $132 | 1.27% |
| BRENDA LEE SHERWOOD3 | 230 5TH STREET IDAHO FALLS, ID 83401 | AFLAC | $97 | $0 | $97 | 0.93% |
| MECHELLE GRANT3 | 1860 MASTERS DRIVE IDAHO FALLS, ID 83401 | AFLAC | $59 | $0 | $59 | 0.57% |
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 | 272 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $321K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $301K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $301K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.