| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW RANSTROM3 | 2501 EAST STATE AVENUE, SUITE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $232K | $42K | $274K | 3.87% |
| MORETON & COMPANY3 Filed as: FRED MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $100K | $32 | $100K | 9.31% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 2501 EAST STATE AVENUE, SUITE 200 MERIDIAN, ID 83642 | VISION SERVICE PLAN | $4K | $0 | $4K | 4.58% |
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 | 817 | 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) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 1,710 | $7.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,921 | $1.1M |
| Vision | VISION SERVICE PLAN | 838 | $84K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,921 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,921 | $1.1M |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 1,710 | $7.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,921 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,921 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.