| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW RANSTROM3 Filed as: DREW A. RANSTROM | 2501 EAST STATE AVENUE, SUITE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $40K | $6K | $46K | 3.29% |
| DREW RANSTROM3 | PO BOX 191030 BOISE, ID 83719 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.22% |
| UNKNOWN3 | UNKNOWN BOISE, ID 83702 | DELTA DENTAL OF IDAHO | $6K | $0 | $6K | 4.98% |
| MORETON & COMPANY3 Filed as: FRED MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $32 | $2K | 15.16% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 249 | $1.4M |
| Dental | DELTA DENTAL OF IDAHO | 128 | $115K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 118 | $195K |
| Life insurance(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 118 | $206K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 78 | $11K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 249 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 118 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.