| 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 841113107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $16K | $51K | 14.74% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $48K | $13K | $60K | 18.98% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE, UT 841113107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $13K | $53K | 19.95% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 32.72% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | 101 S 200 E STE300 SALT LAKE CITY, UT 841113107 | HARTFORD LIFE AND ACCIDENT | $277 | $10 | $287 | 15.54% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $105K | $9K | $114K | — |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 841113107 | VISION SERVICE PLAN | $31K | — | $31K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO HEALTH SERVICE EIN 82-0344294 UNRELATED | Claims processing; Insurance services Service code 12 | — | $3.8M |
| DELTA DENTAL OF IDAHO EIN 82-0299431 UNRELATED | Contract Administrator Service code 13 | — | $571K |
| MEDIMPACT EIN 33-0567651 UNRELATED | Contract Administrator Service code 13 | — | $385K |
| UNITED OF OMAHA LIFE INSURANCE COMP EIN 47-0322111 UNRELATED | Contract Administrator Service code 13 | — | $233K |
| VISION SERVICE PLAN EIN 23-7089668 UNRELATED | Contract Administrator Service code 13 | — | $163K |
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 | 11,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 11,451 | $3.3M |
| Vision | VISION SERVICE PLAN | 11,445 | $0 |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 18,503 | $665K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 729 | $265K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 11,451 | $3.3M |
| Other(7 contracts, 5 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 18,503 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,503 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.