| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | REGENCE BLUE SHIELD OF IDAHO, INC. | $57K | $0 | $57K | 2.67% |
| MORETON & COMPANY3 Filed as: FRED A MORETON AND COMPANY | UNKNOWN IRVINE, CA 92612 | MET LIFE | $22K | $1K | $23K | 5.85% |
| MORETON & COMPANY3 Filed as: FRED A MORETON AND COMPANY | 709 EAST SOUTH TEMPLE SALT LAKE CITY, UT 84102 | KAISER PERMANENTE | $10K | $0 | $10K | 2.98% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP, LLC | 2829 WYANDOT STREET DENVER, CO 80211 | KAISER PERMANENTE | $1K | $0 | $1K | 0.33% |
| MORETON & COMPANY3 Filed as: FRED A MORETON AND COMPANY | 2501 EAST STATE AVENUE, SUITE 200 MERIDIAN, ID 83642 | VSP | $2K | $0 | $2K | 4.35% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUE SHIELD OF IDAHO, INC. | 467 | $2.4M |
| Dental | MET LIFE | 910 | $387K |
| Vision(2 contracts, 2 carriers) | MET LIFE | 910 | $422K |
| Life insurance | MET LIFE | 910 | $387K |
| Short-term disability | MET LIFE | 910 | $387K |
| Long-term disability | MET LIFE | 910 | $387K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUE SHIELD OF IDAHO, INC. | 467 | $2.4M |
| Other(2 contracts, 2 carriers) | MET LIFE | 910 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.