| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $143 | — | $143 | 15.05% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $98K | — | $98K | — |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | VISION SERVICE PLAN | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO HEALTH SERVICE EIN 82-0344294 UNRELATED | Insurance services; Claims processing Service code 12 | — | $602K |
| DELTA DENTAL OF IDAHO EIN 82-0299431 UNRELATED | Contract Administrator Service code 13 | — | $526K |
| UNITED OF OMAHA LIFE INSURANCE COMP EIN 47-0322111 UNRELATED | Contract Administrator Service code 13 | — | $224K |
| VISION SERVICE PLAN EIN 23-7089668 UNRELATED | Contract Administrator Service code 13 | — | $117K |
| MEDIMPACT EIN 33-0567651 UNRELATED | Contract Administrator Service code 13 | — | $84K |
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 | 10,573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 10,643 | $519K |
| Vision | VISION SERVICE PLAN | 10,533 | $0 |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16,704 | $271K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $96K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 10,643 | $519K |
| Other(6 contracts, 4 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 16,704 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,704 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.